milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2017 about Debt collection (Medical) with Frost-Arnett Company (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Frost Arnett is continuing attempt to collect an amount of money, for XXXX XX/XX/XXXX, that is not due American Anesthesiology, XXXX XXXX, as documented by attached XXXX explanation of benefits. I have proven the amount of {$720.00} is a false representation of the amount owed. By contractual obligation, the physician represented by the collection request is only allowed to collect what is contractually agreed with XXXX. Therefore, XXXX states the amount for date of service XX/XX/XXXX is {$230.00}. Please see all attached pages for documentation. Furthermore, an overpayment of {$72.00} was made to the billing service they represent, for which I am now crediting against the valid balance of {$230.00}. This leaves a remainder of {$160.00}. 
I have attached all documentation to FULLY support my statements. All documentation has been provided to all parties to this matter. 
-- -- XX/XX/XXXX To All Parties Concerned : Frost-Arnett Company - hired debt collector XXXX, XXXX XXXX, On Behalf Of XXXX ; XXXX, Office Manager Please be advised all parties above will be receiving a full copy of all documents pertaining to the disputed collection request for {$720.00}, when the contractual obligation according to XXXX is {$230.00}. As it has been conveyed to myself, verbally, by Frost-Arnett that they refuse to accept or negotiate any payment other than the incorrect amount that is in violation of XXXX physician contractual agreement, I have no alternative but to escalate my reaching out to regulatory agencies for help in this matter. Prior to this letter, I attempted to work with the Consumer Financial Protection Bureau ( CFPB ) with no success. Frost-Arnett submitted a false and misleading response in order to have the complaint file closed. I will be using that false information to open a new claim against Frost-Arnett for attempting to collect an incorrect amount and submitting false information pertaining to date of service I referenced for my complaint. 
-- - I have sent a 3rd notice to Frost-Arnett and filed this compliant for the following reasons : - attempting to collect an amount not due - making false claim that I referenced the wrong XXXX in my documentation in the previous complaint with CFPB - making false allegation on recent collection notice that attempts to contact me have been unsuccessful - ignoring my efforts to have the collection amount corrected so this matter can be resolved. 
- Frost-Arnett submitting false information on the previous complaint to CFPB which resulted in complaint being closed without resolution and continued collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Other debt) with AFNI INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My husbands parents in a different state received a collection notice for {$110.00} for him from AFNI, Inc. The problem is, our account from our internet provider ( for which the collection notice is referring to ) is paid and in good standing. I called our internet provider and they said our account is fine. The collection notice had the wrong P.O. Box, the wrong phone number, and the wrong last four digits of the zip code-they were all different from the information on the real collection agencies website. This is a huge issue and an attempt to steal my husbands identity.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: I do not receive statements from Citi. I found this out when I found out I was late on a payment last year and was charged a late fee. The associate I spoke to said that they would return the late fee and confirmed that I was signed up for paperless billing, to an email I no longer have access to. This person did not change it or give me any other options on how to avoid this situation in the future, as I told her I do not use this card often at all. 

I signed into my credit card account on this weekend to see how many Thank You points I had, so that I possibly could book a trip. I then find that the account is in late status for 2 months. This is out of nowhere! 

So I called to have this taken care of. The associate I spoke to this time said that he returned XXXX of the fees and that I would have to speak to customer service to get the other XXXX returned as well. So we set up the payment for the amount owed less the fees, about {$50.00}. I then call the customer service number that he gave me and I speak to an associate who says she is physically unable to return the fee under any circumstances because citi 's policy is to only return XXXX fee in a calendar year. 

Figuring this was impossible I decided to ask to speak with a manager. The manager I spoke to " XXXX '' gets on and echoes what the associate sai, actually more extreme. CITI RETURN FEES TO CUSTOMERS ONLY ONCE PERIOD. I explained to her my problem that I had not been getting my statements and that obviously if I had known or received a call or something, I would have paid it. I was {$50.00}!!!! 

She then explains that I can stop my paperless status to avoid this in the future, which I said should have been done the very FIRST time this happened to me! She agreed and remained firm. In the last attempt to get her to see it from my perspective, I explained that I was late on a {$50.00} charge, and that Citi is attempting to pocket OVER {$55.00} in fees alone for this payment. I explained that this was completely unfair. She then explains that this is part of my credit card agreement. 

I then asked her how I might close out my entire relationship with citi, since it callously treats its customers this way, to which she replied that she would be happy to help me with that. Why she had to be so rude is beyond me. This is ABSOLUTELY UNACCEPTABLE. I am absolutely disgusted with citi. I am ashamed to have my XXXX credit card accounts with them, totaling over XXXX in credit.

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 03/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: - Failure to deliver offered 'services ' - autopay - to all customers - Policy to not automate use of rewards points to pay outstanding balances - Suspicion that they are intentionally complicating payment to drive up late fee revenue This is in regards t

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 09/13/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: XX/XX/XXXX I was interested in attending The XXXX XXXX. After being accepted to the college the financial adviser said I would need to apply for a student loan if I was not able to pay for the tuition out of pocket. The school 's adviser filled out all the paper work for me. Then the loan company ( XXXX XXXX ) said I was not approved for the student loan, but if I had a co-signer they would approve the loan. Under the assumption that I would need XXXX co-signer to be able to go to college and receive a college degree, I agreed to use my mom as a co-signer for the student loan. The school had me in a fast track program, I was in school from XX/XX/XXXX to XX/XX/XXXX and have a student loan for over 30,000 $ US. After those months had passed, the school told me I would need another student loan to continue my education. Again, the loan company said I did not qualify for the loan, and this time, they said my current co-signer did not qualify for the loan as well. Growing up with XXXX parent and not having any relatives this forced me to be unable to continue my education. I have been working ever since I had to stop going to school to be able to pay back this student loan which I feel I should have never received if my co-signer and I were both denied.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX, I received an Overdraft fee on my account. I was told even though two checkcard transactions were not posted to the account and were still pending, I got an OD for a XXXX transaction that occurred on the XX/XX/XXXX which left my account negative - {$1.00}. The fee was {$35.00} I called to see about getting the fee reversed Spoke to XXXX at approximately XXXX XX/XX/XXXX. Bank of America. representative refused to assist stating that BOFA does not do courtesy refunds, and this is not a bank error. However I believe it is a bank error. A deposit was scheduled to go into the account on XX/XX/XXXX however it did not show up until the morning of XX/XX/XXXX ( Convenient for the bank ). There was also two other deposits done through the mobile app, that were showing a posting date of XX/XX/XXXX. Because of the delay of the deposits, and also the bank allowing checkcard transactions to go through ( when I specifically did not ask for Overdraft Coverage ) I was charged an Overdraft. I told the representative this was a violation of the Dodd-Frank act which is supposed to protect consumers in situations like these and not allow checkcard transactions to go through, so that banks could charge fees. She disagreed, stating that it was the paypal transaction that was done on the XX/XX/XXXXthat I was charged a fee for, even though the amount was only {$1.00} in the negative and there was 3 deposits pending. If this is not abusive and predatory, I don't know what is! She told me if it was XXXX XXXX, then I would have still gotten a fee. After waiting a very long hold time, I finally spoke to a supervisor, named XXXX. He expressed he did not think the fee was predatory but just an oversight on my part and recommended that I keep a ledger to keep track of my transactions better. 

It may not seem like a lot of money, but the reason for my complaint is, if this could happen to me for one small fee and overdrafting my account for only {$1.00}, I can only imagine how many other people are being treated unfairly. This is the first time I have ever asked for a courtesy reversal, and also the first time I can recall ever having an overdraft. 

The representative was rude and cut me off several times mid sentence not allowing me to finish my sentence, and i was put on hold so I could register a complaint, and then put on hold again after asking to speak to a supervisor. The call in total lasted 1 hour and 18 mins, most of that time on hold waiting to speak to someone. Besides the poor customer service, this is completely unacceptable and in my perspective a violation of the Dodd-Frank Act.

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 11-12-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Managing, opening, or closing account

Complaint: I am trying to open an American Express Serve prepaid account ( XXXX ). After applying successfully online, I was asked by email to provide additional identity verification documents, at which point I provided images of my US Passport and a recent XXXX credit card statement. I called in to American Express Serve to verify and was told these documents were received properly. I was instructed it would take XXXX hours for review. 

A few hours later, I received two emails, spaced one minute apart ; the first notifying me my Serve account was " locked '', the second stating my account was " suspended '' per Member Agreement, section : XXXX D. 

I called XXXX and spoke to the XXXX team several times but was unable to obtain more information as to why my account could not be opened, or was " suspended '' just hours after my application was submitted. The representatives were unprofessional and terse, just instructing me to refer to the email, which ( attached ) is very sparse in details. Trying to understand why this newly applied-for account was suspended was more challenging as it was difficult to communicate verbally with any of the XXXX representatives. All XXXX were based in the XXXX or XXXX XXXX and spoke with heavily XXXX XXXX, prompting us to frequently have to repeat ourselves and speak slowly. Finally, upon asking for a supervisor, I was first placed on hold for 58 minutes before my phone was devoid power and the line disconnected. The second time I requested a supervisor, I was told s/he was preoccupied and would return my call at a later time, only for me to not receive any calls back. 

Although the representatives were unable to explain the suspension, in reading through section XXXX D of the Member Agreement, there is mention of potential fraudulent or inappropriate activity. Having only applied for the account hours ago and not receiving any card or account number, I have n't had the opportunity to even make use of the XXXX account, much less engage in any activity violating the Member XXXX. 

I 'm not sure what is more bewildering, having my account suspended before I have had an opportunity to open/use it, or the ineptness of the customer service agents. 

I 'm simply looking to open an American Express Serve account to do some XXXX shopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax currently is reporting an account which is "   XXXX   '' or " Company unknown '' on my credit report as open and pays as agreed. This account belongs to "   XXXX   '' and it is included in bankruptcy and has been since  XXXX / XXXX /2013. However, the account says I am 120 days plus past due.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (FL).
Issue: Taking out the loan or lease

Complaint: I opened a business checking account at Wells Fargo in XXXX, Florida and two months later I received a credit card with a limit of {$10000.00} which I did not request nor authorize. My business started to fail so I started to use the card and ran the {$10000.00} credit limit to max. Today I owe {$8500.00} and feel trapped and paying for something I did not sign for.

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 03-02-2016 about Mortgage (Other mortgage) with United Home Loan Services Inc. (NC).
Issue: Application, originator, mortgage broker

Complaint: I have been harassed by United Home Loans of XXXX for a bogus loan that I never signed any contract for. I moved here from XXXX in XXXX XXXX, XXXX to a Lease to Own four year lease, but the home was not livable when I moved to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. I had taken them to court and had won the complaint and was awarded all my funds I had given to XXXX to secure the lease to own. I had only was awarded my {$1400.00} back without any regards to the expenses of having my electronics and furniture exterminated and moving expenses to another livable home. Since the court order, I have been harassed for payment of a {$50000.00} home loan that XXXX had contracted out to United Home Loans that I never knew about or signed any contract with. The website of XXXX XXXX XXXX XXXX states that their homes are purchased from foreclosures and repaired by their own maintenance team to livable condition, but this home was not even seen by them to do any repairs or exterminate before I moved in. I tried negotiation with XXXX to pay for foundation repairs that were the most dangerous of the home along with bad dangerous wiring that had shorts in the crawl space that was dug out making the house collapse. Mean while I had done some foundation stabilazation and plumbing and electrical repairs and had sent XXXX bills to XXXX for labor and Materials which was a small charge of {$600.00} to do and they refused to pay. 
The furnace was leaking from the control valves inside the furnace and almost burned the home down before I found out. The home should have been condemned before renting it out. Now since getting involved with XXXX and winning in court, they have hired UNITED HOME LOANS XXXX to do their billing to me for {$50000.00} loan I do not have any contract with. I had informed UNITED that I do not have any loan with them and told them to cease and desist their attempts to collect on a debt I do not owe, but they still send me notices every month with late fees of {$75.00} and claim I owe over {$3400.00} in the XXXX XXXX XXXX billing invoice. I would like to get treble damages from UNITED HOME LOANS XXXX in the amount of {$150000.00} plus and legal fees and court costs. Since XXXX had initiated this whole scam, I would like to get Treble Damages from them also for pain and suffering and material costs of work rendered on the home at XXXX XXXX XXXX XXXX, XXXX XXXX. to be able to move into safely when we arrived.

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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 submitted a balance ONLY dispute with Transunion for an authorized user account with XXXX XXXX XXXX XXXX XXXX XXXX xxxx ) in XXXX because the balance was XXXX and it was not reflecting that. I was informed that Transunion simply deleted the account without investigating it and has refused to add it back to my credit report even though it has been confirmed twice with XXXX XXXX that they have reported the account this month and has sent a dispute to them via my request to add it back. This is a violation of FCRA law, my credit report is not accurate because of their refusal to add key credit factors to the reporting. I am requesting your assistance to enforce the law and have them add the account back to my report 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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I settled this account has co signer with XXXX  XXXX with a payment amount of {$1000.00} as agreed by the bank a supervisor name XXXX and representative named XXXX at XXXX intheir headquarters location. 
I paid with my XXXX XXXX account and they stated XXXX and XXXX floor supervisors that all credit Bureaus will be updated within 30 days! 

They have been falsely lying since XX/XX/XXXX the date I paid stating the I still old money after I paid them and have receipts, confirmation number, and 100 % proof of payment! 
And keep XXXX my disputes with the three major credit bureaus. 

They lie, over charged me while making payments before I paid them Out and these wrong information corrected 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