milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I called Wells Fargo in XXXX to defer my loan. They usually offer deferments in no more than 2 month lengths. I was asked to make the payment for XXXX then I would be approved. I made the payment then was told my deferment was approved for two full months and that payments would resume in XXXX. A month later, I got a letter in the mail saying I was late. I called because I was puzzled as to why I was getting this letter when my loan was in deferment status. After having to explain my story several times, I was told the deferment was canceled stating they can only give two month 's deferment in ac12 month period. I 've talked to several departments and they all refuse to help me. Instead here threatening to report me to the credit beareu and keep tacking on late fees of {$28.00} each. I was not planning on having to pay them XXXX payments of {$220.00} each and XXXX late charges ( so far ) so my XXXX payment of {$220.00} will still have me in the red and I wo n't be able to catch up for several month to a year. There 's not a lot of companies that refinance student loans. I wish I could leave XXXX afar go since they are not customer friendly and obviously do n't mind hurting their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Late fee

Complaint: I used a credit card with city bank and paid the full balance on line. I had called customer service to make sure not late charge will applied because I was not sure on the due date. After paying online they assure me that late charge will be taking care. City bank keep the late fee and kept charging me late fee after late fee. After noticed an email from the credit card I noticed a balance due. I called them and the customer service representative was very rude and I was treated horrible. I ended up canceling the credit card but the way I was treated was not right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with R.M. Jackson & Associates, P.C. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I got a call from XXXX at R M Jackson & Associates Pc about a debt that is or is not real and over 7 years old last week. I asked him not to call me during work hours, please call me after XXXX to ensure that i am not at work. He called the next day and I was not able to answer the phone, he left a message. Today he called the main line of my work and asked to be transferred to me. He left me a voicemail on my office line phone and when i called him back I told him I asked him not to call me during work hours and asked how he got my number at work to my desk not my cell phone. His response was that it was his job to know where I was and his job to track me down. So he tracked me down and called my land line work number. He also told me when I asked what this would do to my credit report if I paid it off that he was not reporting this to any credit report. All of this i find to be troubling over a debt that is at least 7 years old and he will not verify to me other than it is for a vet office for a dog named puddles ( a dog that died well over 7 years ago ). How he has the info he does on me is worrying to me and I am not okay with him calling my office to talk to me and asked him not to contact me during business hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Medical debt) with Eastern Account Systems of Connecticut, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2016, I was involved in an accident where i had to be taken to the hospital. Somehow, my social was written wrong and XXXX did n't cover it until i spoke with them, and they corrected it leaving me with a 0 dollar deductible and 0 dollars owed. XXXX mailed a letter that stated " we received an inquiry regarding patient billing on the above claim. the patient 's cost share and/or copayment was {$0.00}, and we applied {$0.00} towards the patient 's deductible. the claim originally denied because it was submitted with an incorrect member identification number. this has since been corrected and the claim has been paid, leaving no patient responsibility. 

our files show that although you are not the network provider, your claim was submitted indicating you agreed to accept assignment. therefore, you have agreed to accept the XXXX maximum allowable charge as payment in full. the beneficiary is only responsible for copayments, cost shares, and/or deductible amounts. if the patient paid more than the copayment, cost share, and/or deductible for these services, please refund the payment to the patient within 30 days from the date of this letter. '' somehow this still is being charged as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have incorrect address and telephone number on credit report. Correct address should be XXXX. Current address is : XXXX Texas XXXX. 

I have also attached my dispute which I could not do online. I have attached a copy of credit report with notes on what corrects need to be made. 
Some accounts are paid in full and I have attached letter. XXXX account on report twice ( XXXX ). Once account 10 years old ( XXXX ). XXXX accounts fraud ( XXXX, XXXX, XXXX XXXX ) XXXX account that is paid in full ( XXXX ) I have supplied more than enough paperwork.

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 03/17/2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I requested verification for this debt because I dont know where it came from and why its on my credit. Submitted disputes it was removed then added back to my credit. Opened XX/XX/2017 debt collector Phoenix collections in the amount of {$230.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery of GA ( latest number XXXX ) keeps calling. XXXX research indicates this is a collection agency. I owe nothing but a mortgage which I pay monthly. I have no debt problems. XXXX research indicates this firm just calls and calls. I understand if they believe a person owes a debt, they must write a letter indicating the particulars of the debt. I have received nothing from this firm. What can be done to stop this firm from calling and leaving no information about the purpose of the call. thank you very much XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with REGIONS FINANCIAL CORPORATION (IN).
Issue: Struggling to pay mortgage

Complaint: I am a veteran, and college graduate. I feel that i have been mislead and deceived by Regions Bank in an attempt to take my home in foreclosure. For the past months I have been waiting for Regions to modify a loan or simple give me a yes or no answer on my multiple applications. I inherited the house from my father and the loan was in his name. On XXXX/XXXX/17 I faxed 24 requested to documents that were requested by Regions. I was told the process could take up to 45 days for the loan modification application. I could have but did not pay the back mortgage amount because I was waiting for a decision. I called In XXXX.I was asked again to submit the same packet of documents and a transfer of real estate document.I waited and again no response or decision. I contacted an attorney and called only to be told that they would only speak with my attorney. I was told that loan modification would allow me rewrite the loan in my name and not have to to pay the back mortgage. No response or explanation. This delay has only put me further behind and I now had to pay property tax on the house and other properties to avoid a tax sale. I owe XXXX on a house that is valued at XXXX. This a deceptive practice and I feel that the goal was extend the process for profit and foreclose..

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 03-03-2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: I have a credit card debt with Santander bank and it is well overdue. They took the money from my checking account to cover some of the debt. The funds are from my Military XXXX pay. They took {$900.00} on the XXXX of the month. I was told they can not take money from my government XXXX check.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and dozens of millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Other debt) with Navient Solutions, LLC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was billed or an additional class after I withdrew from XXXX XXXX. 
They have placed a new debt in collection that i do not owe. I did not attend class and should not have been enrolled.

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 07-04-2015 about Payday loan () with SpeedyCash, Inc. (FL).
Issue: Payment to acct not credited

Complaint: I payed speedy cash awhile ago and I do n't understand why that it is not taking of my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have incorrect address and telephone number on credit report. Correct address should be XXXX. Current address is : XXXX Texas XXXX. 

I have also attached my dispute which I could not do online. I have attached a copy of credit report with notes on what corrects need to be made. 
Some accounts are paid in full and I have attached letter. XXXX account on report twice ( XXXX ). Once account 10 years old ( XXXX ). XXXX accounts fraud ( XXXX, XXXX, XXXX XXXX ) XXXX account that is paid in full ( XXXX ) I have supplied more than enough paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
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 contacted Transunion on multiple occasions to remove a tax lien on my account that does not conform to the new standards put into place on XX/XX/XXXX.  They refuse to remove the tax lien even though the other two credit agencies have removed it. The tax lien is listed below : Tax Lien Reported onXX/XX/XXXX- {$7300.00} Paid Overview Reference Number - XXXX Date Filed Reported on - XX/XX/XXXX Classification Lien Responsibility - Individual According to the new guidelines, established by a class action lawsuit brought against the credit agencies, they must have the person 's date of birth and/or social security with the consumer 's address in the tax lien filing. Transunion will not comply with the new ruling. Please investigate them. XXXX 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 non-monetary relief
Consumer complaint received 12-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Trans Union requests to investigate and remove unauthorized inquiries from my credit report/file that were not initiated by me and they are not responding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NV).
Issue: Settlement process and costs

Complaint: Complaint against Chase Mortgage Department We received a letter dated XXXX XXXX, 2016 from Chase ; Chase had provided with copies of the correspondence letters sent to us when requesting loan assistance and mortgage assistance. 
However in any of the packages sent to us for loan modification mentioned about opening escrow accounts when applying for loan modification. It was never disclosed that just because we applied for loan modification Chase will paid in our behalf property taxes. 
We had and continue pay our property taxes and had never been late nor delinquent of it. There was never a written documentation specifiing this issued for what we strongly agreed that Chase had committee fraud and misrepresentation in regards of opening an escrow account and paying property taxes without our authorization. There were never any legal rights for it and nor XXXX XXXX and XXXX XXXX had ever agreed for Chase to allow to pay property taxes. 
At this point the borrowers XXXX XXXX and XXXX XXXX want to enter into a settlement agreement with Chase in regards to loan number ending XXXX. Since Chase had errouslly and without representation made tax payments in behalf of the borrowers without proper approval nor informed the borrowers about any of these acts ' the borrowers are now looking for a settlement in regards to this loan. 
Please notify the borrowers the amount of the settlement or legal actions to Chase and its mortgage subsidiaries will be continue. This notice will be submitted to Consumer Financial Protection Bureau and other governmental agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (I do not know) with Stuart-Lippman and Associates, Inc (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The debt was not discharged in bankruptcy. It was forced off by personnel from the Illinois Attorney General 's office. The agency ( former ) of XXXX XXXX XXXX XXXX XXXX, of the XXXX XXXX XXXX XXXX instituted theft of alleged account base that I had developed in Statutory employment XXXX IXXXX  XXXX which had some start up costs to develop account base ( s ) for commission earning purposes. After some deception of broker of record letter solicitation there persisted an agreement unsigned by the general agent factor and following termination in writing, the agency evidently hired a XXXX XXXX of XXXX, Arizona to persist in collection harassment of a contractually unsupported debt that persisted on the credit report of my own during which my Mother XXXX and during quite the estate challenge, from an impounded resource after three correspondences occurred from an attorney. The attorney whom had reviewed the contract of my own had corresponded three times in writing, which have, about removing the debt from said credit report in time for a family gather and in time for return to licensure employ which eschews any debt type of the agency owner for future employ and thus ruins licensure. Although the first attorney dropped matter as it coincided with important planning, it has been so hard to obtain an attorney qualified to speak about unlawful debt reporting, yet I 've observed in the law library which laws were broken and attempted partship myself, yet there was no accounting and no explanation of what the amount consisted of and why they persisted so long after the XXXXXXXX XXXX had been told three times in writing that the debt was n't contractually supported. This has caused a lot of uphold on my part, and it has imploded resources, not wanted. There are so many letters inquiring of what a full contract dispute looks like adept to the US DOJ, and something must be done my angle. It 's a long time to be on my credit report without contractual support and being a financial services company, commission related ailments should be documented over and not credit report harassment alleged.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have two hard pull inquiries for XXXX XXXX. I 've never had an account with XXXX XXXX nor have I ever applied for service with this company. I have disputed it 3 different times with Equifax and XXXX and they wo n't take it off my report, and basically are just sending me back and forward between each company with no results. Nor has either provided me with their invesitagation findings, which let 's me know it has n't been investigated at all. These inquiries are bringing down my credit score and are n't fair to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage loan with SunTrust was barely 2 months late when the bank representative did not respond to an email I sent with the funds at least 8 hours before the cutoff notice. I still have a record of that email and the communications I had with the SunTrust mortgage bank representative. The end result was that SunTrust then forced us to complete a modification with their own Wholly owned subsidiary XXXX XXXX XXXX bank which forced us into more fees added to our mortgage outstanding loan and a longer time to process it. This scenario set the stage for at least XXXX other modifications later that has now resulted in a house that is under water and a balance that is inaccurate. The original loan amount was {$210000.00} in XXXX and at that time we made a down payment of {$13000.00} As of XXXX we are told that the balance owed is still {$210000.00}

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 08-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion continues to report XXXX at XXXX XXXX account as a collection without verifying ownership.There is no rental application, approval letter, income or leasing verification, ledgers, rent receipts, court documents, or other data to validate this account being mines. I have disputed it but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX ( XXXX ) XXXX refuses to verify ownership.Therefore this account is fraud and identity theft is an issue. I am asking to have it deleted from my TransUnion and XXXX credit reports.

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 12/28/2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Application, originator, mortgage broker

Complaint: Bank america wrongly foreclosure my home XXXX XXXX, denied my making home affordable loan program, lost mitigation Va loan, knowing my home was going to sale and I needed urgent immediate help to stop sale. Bank of america used communication tactic, harassment, lied and denied about application and the paper work, also claimed loan specialist whom I was communicating with does n't exist, then called me and told me my home was to be sold XXXX XXXX XXXX yelled at me saying that i need to get my own lawyer and sold my home XXXX XXXX XXXX .Destroyed another XXXX XXXX and XXXX over 8 years .I am retired soldier fought for my country over 20 years and still working XXXX spending my own time and money XXXX XXXX i need help now.Bank of America DESTROYED my credit took my 20 years home memories and dreams now I am homeless Veteran.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Medical debt) with United Collection Bureau, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I continue to receive bills from a collection agency, United Collections Bureau , INC for a medical debt for my son XXXX XXXX. At the time, insurance information was submitted for the XXXX coverage my son had at the time he was a minor. This company continues to harass me on behalf of XXXX XXXX XXXX Hospital in XXXX, Ohio. The dates of service all occurred on XX/XX/2016 with a total cost of {$790.00}. My son had Ohio XXXX full coverage health coverage during the entire 12 months of XX/XX/2016. I am not sure if this company is doubling billing and committing XXXX fraud or if their claim submission for payment to the insurance company was overlooked.

Company response to consumer: Closed with explanation