milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (OR).
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: Date of service was XXXX Billed on XXXX XXXX, XXXX Called XXXX, XXXX XXXX XXXX  and the medical office on the dates below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other dates that I did not document on paper before XXXX after I got the bill on XXXX XXXX, XXXX. 

{$330.00} I have called, disputed and sent proof statement of amount as paid to XXXX because the original credit reporting agency is XXXX XXXX XXXX aka XXXX XXXX XXXX. I have called XXXX XXXX XXXX so many times to show XXXX the account as paid but they say they no longer have an account with me. XXXX has placed re-investigation with the XXXX XXXX XXXX account every time I disputed them, it 's still being reported to XXXX as owed when it should have showed as paid, closed and removed by XXXX XXXX XXXX. Every time I get a report back from XXXX they say XXXX XXXX XXXX reported the information as correct. I would call XXXX XXXX XXXX once again and they would answer every time I call them that I do not have an account with them anymore and to call the hospital who took the bill back. I call the hospital every time after I talk to XXXX XXXX XXXXl, the hospital reported it as paid in full and account is closed. The bill was paid by my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax received my certified letter on XXXX XXXX, 2016. My correspondence requested Equifax to provide a physical verification of the original contract signed consumer contract, which is required by Federal Law according to the FCRA 609 ( A ) ( 1 ) ( A ), Equifax is required to provide these documents before accounts can be posted on my credit report. Equifax still has not responded to my communication. Since Equifax was unable to verify my account I am demanding that report information regarding XXXX Child Support be removed off my credit report immediately as Equifax is in violation of the law and are reporting this information incorrectly. If Equifax does not remove these items from my credit report I will continue to file a small claims action against Equifax and XXXX XXXX for damages of {$5000.00} for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. 
The tracking number for the request that was sent certified mail is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage payment made through XXXX XXXX XXXX bill pay on XX/XX/XXXX. To date, Wells has not posted this payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX I paid debt to XXXX. On XXXX the XXXX and XXXX, respectively, XXXX hired Diversified Consultants, Inc. and XXXX XXXX , XXXX to collect a debt I have already paid directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I was applying for a loan modification with Citimortgage for my second mortgage loan. The interest rate is 8 % and my husband has been out of work since XX/XX/XXXX. He is terminally ill and is now on social security XXXX. I keep trying to work with Citimortgage and they keep asking for more information/documents. I continue to provide them what they ask for. This last time the loan modification review process began in XXXX XXXX. This is ridiculous, this process should not take 5 months. Each time they have asked for more information/documents, I have provided them asap. Attached are all my email exchanges with them. Most recently, I was receiving weekly emails with status updates that were really no update, just that they did not need any more information from me and that they were reviewing my loan for a loan modification. I realized after a few weeks that I had not received the weekly email, so I sent an email and of course did not hear back. Then I sent another email and my support specialist assigned to my account, said that my loan was now in Recovery. They can not do this. They need to finish the review of my loan modification request and notify me of an acceptance or denial. They also need to notify me that my loan is now Recovery. What kind of company does this? I work for a mortgage company, I know this is wrong.

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 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Argon Credit (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I am in a Debt Resolution Program and a loan co. name Argon Credit XXXX XXXX il keeps calling me instead of my attorney. I also call them and cancel my ach debit and a stop payment at my bank.My bank said they keep trying to take money out. So Argon try to use phony checks numbers to debit my account a couple ot times even twice in one day causing charges of NSF Draft charges .They tried a couple months later. My bank did another stop on checks and debit which I paid for. Argon tried again and my bank told me to close that account. I had that account for 20years which cause me a lot trouble terminating that bank account. I had sent a letter of Cease Communications and contact my Attorney but they did n't stop.Argon has cost me charges.

Company response to consumer: Untimely response
Consumer complaint received 03/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband lost his job and only received one month of unemployment benefits. During this period we reached out to our lender XXXX to see if they could offer us a modification. They sent us an application and we received a letter dated XXXX/XXXX/XXXX and our new trial period plan would start on XXXX/XXXX/XXXX in the amount of {$1200.00} which is a difference of {$340.00} from the original payment of {$1600.00}. We completed the 3 month period and would call XXXX on the status of the modification with XXXX XXXX the relationship manager for the loan account. She indicated to us to continue making the {$1200.00} payment and just just waiting for the final docs. We continued making on time payments up to XXXX XXXX a total of 9 months. We did not receive a call from XXXX just a letter stating " Interest Rate and Payment change schedule from 2 % to 4 % on XXXX/XXXX/XXXX in the amount of {$1600.00} and on XXXX/XXXX/XXXX to 4.75 % {$1700.00} P & I only! That is huge difference of over {$500.00} a month compared to the {$1200.00} included taxes and insurance. The reason we not got the final was they were waiting for the rate to take affect which we were not aware of but they XXXX should have complied with what they offered us in the first place to modify our loan. We are currently 11 months behind at the present moment. XXXX has since transferred the loan to Rushmore Loan Management services which they have failed or deny our modification because of our income.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: NATIONSTAR mortgage is charging ridiculous amount for escrow & NOT returning overages! If I send more money, they make up charges to absorb extra funds, so again they do NOT have to return funds or apply funds to principle.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it concerns, I have tried to pay the mortgage in full to this company. Their lawyers wo n't return my messages. In addition, instead of taking the money they have left threatening notices to change the locks on the doors and sent me a text message threatening me with eviction. I would like to speak with someone ASAP. 
It 's about money, right? Here it is then. 
Thank you, XXXX ) The Full name does n't fit in the required placement. 
It is Wilmington Trust, National Association XXXX Ny XXXX Aliases : NOT IN ITS INDIVIDUAL CAPACITY, BUT SOLELY AS TRUSTEE FOR 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 09/21/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CT).
Issue: Credit decision / Underwriting

Complaint: 're quicken loans. I had called them about rates and where I would stand at receiving the rates and if they did a credit check would it be a hard hit, they told me yes. They ask me my birth date and social security number and I gave it him a man named XXXX. I told him not to peruse it because I could n't afford the hard hit on my credit report. He said okay. After he and I hung up, he went and ran a credit check anyway. I was sent an alert via email from XXXX. I checked my credit report and saw that points were removed because of the credit check that they ran without my permission .I would like it to be removed thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In  XXXX    XXXX   my loans were transferred to Fe d Loan Servicing. At t hat time, I was already approved for a revised pay as you earn for  XXXX  through  XXXX . Fed  Loan Servicing did n ot transfer over my paper work and placed me on a traditional repayment schedule. I have called them 5 times to resolve this issue and give them the correct paper work to show them I was already approved for  XXXX . I have also already made a payment for the  XXXX    XXXX   payment cycle, as a revised pay as you earn candidate.     Fed  Loan Servicing is no w telling me in order to remedy the situation my account will go delinquent for 90 days until they can get an override to make sure that my account goes back to revised pay as you earn and have that payment count towards the  XXXX    XXXX   payment.     My account ( and credit most importan tly ) should n ot be penalized for a mistake they made. Additionally, I already made the qualifying payment of  XXXX , therefore I should not be penalized against my PSLF program.     Fed loan has mishandled this situation, is negligent, has caused me severe emotional distress and this is my first, but not my last, recourse of action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX XXXX XXXX to Shellpoint Mortgage approximately 8 months ago. I have had nothing but trouble since. I just mailed my final payment to payoff my mortgage ( including XXXX late fee and XXXX " door knock '' fee that was listed on payoff letter ). They received the payment on XX/XX/XXXX. And even though the check cleared the bank they still have not applied my payment OR returned the XXXX dollars overage that is in our escrow account. This company is a NIGHTMARE and account should NEVER be turned over to them!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Billing disputes

Complaint: The Chase credit card online portal has been down for weeks without notice or explanation. As a result, customers are unable to pay their monthly balance and Chase is collecting large amounts of late payments. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have submitted this complaint multiple times and will continue to do so until resolved by you and them. The account is joint with my husband and hence we SHOULD reflect the same information on ALL credit bureaus reporting agencies and both of our accounts. The issue remains that XXXX was required to close the account due to the LAW and noted it was closed by us because THEY had a security hold on the item we borrowed against. That precluded our gaining a mortgage acceptance along with the incorrect credit reporting severely handicapped our ability to refinance our debts. We remain with very low FICA scores.

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 Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Other fee

Complaint: I would like to make a complaint against XXXX and Bank of America. XXXX charged me {$10.00} a month for a daycare service which I did not use. They did this for 14 months for a total of {$140.00}. I never agreed with them to charge me or take money out of my Bank of America credit card. I do have an account with XXXX for gym services only. However, I never agreed to be charged for the daycare which they just added without my permission. I notified Bank of America and they would not reverse the charges so I would like to complain against them as well.

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 01/31/2017 about Debt collection (Medical) with Eagle Recovery Associates, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Eagle recovery has continuously called me but not once sent me anything via mail to make payments on my medical bill that is in collections with them until they wanted the full amount. Now they want an outrageous monthly balance even though I try and work with them. Claiming it will be too long to pay off if I give them a smaller monthly balance. I thought that 's what we were talking about in the first place, and what I was giving them was reasonable for what I can afford on a single persons budget with everything else I have to pay. They are n't the only bill.

Company response to consumer: Untimely response
Consumer complaint received 07/15/2017 about Debt collection (Payday loan debt) with Acceptance Solutions Group, INC (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Someone called my job yesterday, stated the company name, and asked to speak to me. Stating the company is already too much. My job does not even allow personal calls, which is looking bad on me. If I lose my job, I will definitely seek legal action against this company. They wrote everything on a sticky note and left it on the desk. STOP CALLING ME, ESPECIALLY AT WORK.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have XXXX separate private loans that with ridiculous interest rates. I offered to settle with them on both private loans. The woman I had been working with XXXX XXXX told us how much they were willing to settle for. My father and i asked for this in writing either through certified, regular mail even email. Our customer service rep XXXX XXXX promised to notate my account regarding the agreement for the settlement offers and said she would mail out the agreement so we had a physical copy in hand and could take time to read all the details. She stated that before she could make any of this happen she was needing a payment of XXXX right then to hold my account. So we paid right over the phone with her and still have n't received the settlement amounts we discussed. When I try to call in and check on the status to see if they have sent us the settlement offer letters the rep says they have no idea what I 'm talking about and nothing was noted in my account about this. I 'm not going to send them close to XXXX XXXX dollars without having it in writing. I also get a lot of robo calls even an hour after making that XXXX $ payment over the phone with XXXX XXXX. I 'm being charged almost 10 %. The amount owed in interest alone is more than the initial loan amount. Also I have department of education loans managed by them and consolidated all of them and ca n't get anyone to help with the repayment plan. I 'm currently laid off due to lack of work. But these people do n't care. They 've told me that my dad cussed and hung up on them which was definitely not true. We want to get this settled and paid off. Please help! My mother cosigned for my XXXX private loan she 's on XXXX because she had XXXX and they are putting negative marks on her credit. So irritating and XXXX. It could really make a person sit and cry.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been oversea since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained

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 05/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Closing/Cancelling account

Complaint: I receieved a new card in the mail a few months ago. I tried to activate it online when I was prompted to call a number because there was an isue with the account. I called the number and was informed the account was restricted because it had been flagged for fraud. I was told in order to remove the restriction I would have to verify my identity as well as the identity of the co-signer on the account. I immediately informed them that I would not in any way be able to provide documents for the co-signer as I no longer have any relation to this person. I also informed them that I wanted this person removed from the account. I was told that this would be fine and that a link would be sent to my email for upload of documents for my identity. During this process several other calls were made to check progress, etc. during none of which I was informed that i would still need to verify identity of co-signer. During XXXX of the last few callsI made ( about 2 or 3 weeks ago I was informed the only thing we were waiting on was my proof of address. ) This was then sent in after which a few days passed by and there was still no response. I then decided to call and check progress, it was in this moment that I was informed that my identity had indeed been confirmed however they were waiting on the documents for the co-signer. I explained the situation to the person attending my call and was then provided with the extension number for the person working my case ( who by the way either just does n't answer the phone or is never in office, name : XXXX, extension number:XXXX. case number I was assigned by capital one is : XXXX ). I left several messages with this person to no avail. This morning I called again and still no answer, so I called back to the regular offices only to be told the same story, which at this point no longer bothers me ... .even though it is my account, under my name, with my money and I do n't feel, especially after they had told me it would be fine, that I need to verify any other identities besides mine ... ... .what bothers me is that they wo n't even cancel/close the account. I am being forced to have an open credit in my name which I can not use and have no access to.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am a Victim of ID Theft and I am very concerned with XXXX and knowing that I filled a police report about all of the inquiries that XXXX  allowed on my credit file, over 100 inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to XXXX and my score is the lowest with this company. It is around XXXX and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.

Company response to consumer: Closed with explanation