milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have several accounts that were to be billed to XXXX as a result of an attempt on my life in 2007 and I have funds to pay for related medical, appts, diagnostic etc. 
I have NO DOCUMENTATION FROM ER IN XXXX AND SEE THIS AS WELL! LIVED XXXX MON AWAY FROM THE.AREA 5 YRS THIS WK! 
I HAVE INCLUDED THE MEDICAL INFO AND BOLLINH YHAT OS THEVSE COORDINATION OF BENEFITS. YET STILL NOT A SYSYEMENT WASVSENT TO ME. HAVING HAD CRAMIAL XXXX, XXXX XXXX ALL COVERED IN PAST AND NOT RECEIVING ANY BILLS ... NO EXPLANATIONS? ... 
PLEASE HELP THE XXXX ACCOUNTS THAT I HAVE NO DOCUMENTS SUPPORTING ANY OF THIS. 

ALONG SAME EXACT ERRONEOUS .OR LACK OF INS BILLING ACUMEN ... COMMUNICATION BY LAW YET THEY HAVE REPORTS ONDTEAD OF BILLING INS ETC. 
XXXX XXXX XXXX XXXX had been privided the billing information and I have XXXX secondary. 
Not only didI not receive ANY NOTICE of an issue regarding slow pay, balance in addition, XXXX amount would have been adjusted amd I also advised XXXX XXXX. XXXX receive a charitable write off for the local hospital and since my services all being covered under XXXX, I see the XXXX on my credit report that is to be XXXX No fee, no copay yearly and I have seen multiple amounts that that reflect I did not pay or pay timely. 
Additionaly, I have a XXXX XXXX and we have no.msil carriers in private community yet this information goes unheard. 
There is NO CROSS-REFERENCE and ALL MAIL PKGS are not just undeliverable, I was advised by multiple businesses that they never received it back from the XXXX MAIN Post Office resulting in no notice of payment. .slow payment. .which I still can not imagine how all these covered by XXXX XXXX XXXX and I see a XXXX who read the films and his office was to bill XXXX as well..then coordinate to XXXX. 

Please help me with multiple derogatory. ..and being on fixed income as result, I chose to build my credit ... and to see this service to streamline the assistance that several points of not being followed through is such a help through XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The letters which were sent to the company were requests of HIPPA validation, I am requiring that the company XXXX provider HIPPA consent that stated I acknowledged and advised the hospital to send over my medical information to them company. I have yet to receive a response to any of my requests for XXXX validation. The continued requests have been documented and have yet to be acknowledged. Just two years ago in 2015 the lawsuit, ( XXXX versus Syndicated Office Systems XXXX Central Financial Control ) alleged that Central Financial Control had violated the Fair Debt Collection Practices Act when attempting to collect on consumer debts as well as Preventing consumers from exercising important debt collection rights. Failure to remove these collection accounts from my credit report will result in me opening another class action lawsuit against the XXXX for HIPPA violations, also well as the mishandling of my consumer credit reporting disputes. I have disputed these accounts multiple times with no acknowledgement of HIPPA validation to release my medication information. I will ask the court to refer to the previous lawsuit and see that the business practices have no changed of the company and they are n't following the criteria set forth for them. I will also ask for the company to incur all court costs as well as compensation for the case. I am requesting the accounts be removed from my credit reports within 30 days from this response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The account was mistakenly sent to XXXX for outside collection after we had a payment agreement with the original creditor. We called in XXXX to make the final payment only to be told that the account was know longer with them so they were unable to accept our payment. We were told to contact XXXX and make the payment there. We called XXXX immediately at that time and were told that the account had not been transferred to them as of that time and that we would have to wait until they had the account in house before they could accept the payment. It was n't until late XXXX that the account had arrived to XXXX so they could accept payment. On XXXX XXXX XXXX we made the final payment on the account. At that point the account was paid in full, the issue was closed and nothing was ever supposed to report to credit. Now a full year and 2 months later in XXXX of XXXX XXXX is incorrectly reporting a open collection on this same account that has already been paid to all XXXX credit bureaus. I have called them and there response is that they are not and have never reported this account to credit. They state that it is each of the credit bureaus that is reporting this not them. This issue has caused my fico to drop XXXX points creating an extreme hardship for me and has damaged me financially. This is illegal, wrong and the account needs to be deleted from my credit report as soon as possible. All supporting documentation is attached for your review and consideration.

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 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In the spring of 2016 I joined a gym called XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. In XXXX timeframe I made several attempts to contact the owner by phone and at the gym. I needed to cancel my membership due to the loss of my husband from XXXX and the fact I was moving back to Missouri. The contract said they needed a 30 day notice and I was giving them 60 days notice. I could not under any circumstances catch up with the owner by phone or at the gym. He would NEVER return my calls. So, in XX/XX/XXXX I put my gym key and a note in an envelope and left it at the gym on his desk. On XX/XX/XXXX I moved 455 miles away from XXXX XXXX XXXX  to XXXX XXXX. I assumed he had cancelled my membership. The end of XX/XX/ I was charged once again on my credit card for the membership fee. I called my Credit Card company, XXXX to dispute the charges. I told Barkleycardus do NOT pay any charges to this business. My membership was cancelled and by key was returned. A few days later the owner, whom I still do not know his name, called me and proceeded to cuss me out, threaten me, and told me he was suing me. I called my attorney who said he had no grounds for anything. I told my credit card company to not pay any charges to this business and thought it was taken care of. I have since found out that even though this man knew I was 455 miles away he continued to bill my credit card company and they continued to pay him to the tune of over 500 dollars plus 9.5 % interest. Now my credit card company wants me to pay them even though this gym committed fraud and basically stole from me. I filed a complaint with the XXXX  of XXXX and he started emailing me. Nasty as usual and then tells me he has suspended my account. I had to cancel my credit card so he could not make any further charges on this card. Also, when I signed up for this service his son made the remark that I wouldn't believe how many people sign up and never use the service and they just collect the money. This man is running a scam. He is a thief and he knew in XX/XX/XXXX I was in XXXX  and he knew I had cancelled my membership but he continually charged my card. My problem was not going over my statement. I always had a balance so I never picked up on the XXXX bucks a month he was hitting me for. Some months he even charged me XXXX dollars. I was furious with my credit card company for paying when I told them not to and for him just bluntly committing fraud. XXXX KNEW they were suppose to stop any and all payments submitted by XXXX XXXX XXXX XXXX XXXX. However, they continued to pay his charges knowing the membership was cancelled and knowing I was living in another state.

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 05/26/2017 about Mortgage (Conventional home mortgage) with ACADEMY MORTGAGE CORPORATION (CO).
Issue: Trouble during payment process

Complaint: Closed mortgage loan #  XXXX  on   XX/XX/2017   property address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX . Mortgage held with  Academy Mortgage Corp.  They cash a check for the amount of {$2100.00} on th e  XX/XX/2017 .      Academy sol d loan   XX/XX/2017   to  XXXX   XXXX ,  XXXX  took over the servicing.  Academy failed to  apply the payment to the loan prior the the sale leaving me and  XXXX  and the new servicer with the incorrect balance.     Academy Mortgage the applied a payment of {$2100.00} with a  date  XX/XX/XXXX . I w ant you to do a full investig  ation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: Chase Bank has charged me a total of XXXX XXXX overdraft fees since XXXX. When I opened up my account I signed up for mobile alerts and email notifications to help keep track of my finances since they are offered by the bank. I do not receive any of these notifications. Chase in fact has charged me overdraft fees while my direct deposit is in my account in pending status. This situation has created an effect where now I ca n't balance my direct deposited income versus these fees. When I call customer service no one is able to help me and when I tried going to my branch they also turned me away. 

Chase also reversed a merchant dispute with no notice for charges that were a result of fraud at a nightclub. The denied re-opening this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XXXX XXXX, 2015 at approximately XXXX mountain time I contacted XXXX XXXX to speak to someone about making a payment plan on my student loan which I had stopped making payments on due to extreme financial hardship.. The customer service representative that took my call was unprofessional, rude and used bullying tactics and demanding that I pay the amount in full. I repeatedly asked him to stop talking over me so I could explain again to him that I needed a " repayment plan '' or Forbearance agreement forms so I can sit down and figure out what I can do to resolve my situation and pay my debt. I am VERY DISAPPOINTED as I contacted them to try to make a payment plan and just feel like I was abused and shamed. If the calls are truly monitored and recorded you should listen to it. XXXX XXXX - email : XXXXXXXXXXXX, You may contact me for further information if you wish.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Credit card) with Messerli & Kramer P.A. (MN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was sent a paper from Messerli & Kramer XXXX XXXX. 
In it had a statement that if I had signed it would keep me from ever suing them no matter what anyone in their company did to me or their future children may do to me. It was a disclaimer so I could never sue them for any reason. I could not sign it. I have a paper copy. I do owe a debt I wish I could pay. I was sent a judgement from the court. I do not have a job so I can not pay this, but this new paperwork ... It 's something that was clearly illegal. I looked their name up online and their are quite a few court cases in which they are the defendant. People are suing them frequently. I can see why they would want to send me this. I normally do not sue people or organizations. I believe in ethics and morals. I do n't believe in this type of behavior. 
Thank you for looking into this. Some people just do not read the entire document. They could do anything to them. That would be horrible. I do n't want anyone to be hurt by them. Please look into this. Thank you again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am attaching a letter that I sent to Equifax on XXXX XXXX. Over 3 months have passed, and I have not gotten a response from them. They are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX, I sent a letter along with a check to XXXX XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX XXXX Bank on XXXX XXXX, 2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX XXXX, I then spoke with XXXX XXXX on XXXX XXXX, 2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.

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 10-08-2017 about Student loan (Private student loan) with AES/PHEAA (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My student loan that was taken out with XXXX was being paid by my mother. In XXXXX  of XXXX my mother was diagnosed with XXXX XXXX. With that diagnosis, she underwent a XXXX XXXX and is now during XXXX. In the midst of all the heart ache and worry about my mother, I was not thinking about my student loan with XXXX not being paid. When I called the company to explain to them what happened, not only did I not even get any sympathy from the representative, but there was absolutely no consideration made due to the circumstances stated. I have paid little amounts monthly due to not being able to pay the full amount. I have called numerous times to attempt to lower these payments and has been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Payday loan () with 2233 Paradise Road LLC (TX).
Issue: Charged fees or interest I didn't expect

Complaint: this online lender is not license in the state of texas. they kept adding more fees and interest charges i was not expecting and can not afford. they have been harrassing me with emails and phone calls during work and on sundays. I been paying more then what I owe and not am behind on my bills.

Company response to consumer: Closed
Consumer complaint received 04/19/2017 about Consumer Loan (Installment loan) with AMERICAN EXPRESS COMPANY (NM).
Issue: Managing the loan or lease

Complaint: I applied for  an American Express Personal loan  on Sat.  XXXX   XXXX  It was approved. But it has not been funded yet. I have called several times to find out the issue. They only thing they will tell me is that my loan is i n IT a nd they are having issues. They dont say " what kinds of issues '' just issues. No one will help or give me answers. I have not asked to have the loan cancelled since they do n't know how to resolve this issue. They wo n't fix it or cancel it ... ... I am in limbo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-04-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Settlement process and costs

Complaint: I sent a request for documents to clear up some confusion as to how my FHA loan I signed and have a copy from the purchase of the home one year ago. Is now a conventional loan without my permission or my wife 's permission. Now facing foreclosure with limited resources with out FHA, but how this happened and why we were not told that we got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I was in a Chapter XXXX Bankruptcy, in XXXX of 2016, I agreed to an consent order to repay arrears owed to Nationstar. 
That ( 1 ) to cure the arrearage, Debtor ( s ) will remit {$2000.00} Instanter, no later than XXXX XXXX, 2016 ( 2 ) the remaining balance of {$700.00} will be cured over nine ( 9 ) months in the amount of {$78.00} per month, due on the XXXX day of each month beginning with the payment due for XXXX XXXX, 2016. 
My bankruptcy was discharged as of XXXX/XXXX/16. I received correspondence as as of XXXX XXXX, 2016 that no payments were applied to my account an now they want to proceed with foreclosure proceedings as of XXXX. I have copies of all payments that were cashed by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 'm a recent graduate of XXXX University in XXXX, PA. I called Sallie Mae at ( XXXX ) XXXX a couple times to get a couple questions answered about their rate reduction program and extended repayment plan as I need help getting my rates and payments lowered to avoid delinquency. Each time I called, I spoke to a different person from Sallie Mae and they were very rude, shady, and not willing to help. I was lied to by the first employee after being told they do n't have a rate reduction plan. The second employee told me I 'd need to be transferred to collections for information about the rate reduction plan, but she would n't do it because she did n't think I needed help. My second question was about extended repayment and received different answers once again from both employees. Both calls made me feel like the people working for Sallie Mae are n't concerned with the well-being of those who have loans through their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am part of the 143 million Americans that had their personal information stolen during the one month+ data breach at Equifax . I demand restitution and at the very least free credit freezes for at least three years. That in itself is not good enough to cover Equifax 's horrible data security but it 's at least a temporary band-aid.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2016 I went to the doctor for a XXXX. The doctor XXXX. One of those XXXX caused a bill for {$93.00}. I paid the bill a week after receiving it through mail, on XX/XX/2016. I 'm attaching the check that I sent to the company and that was cashed by the company on XXXX. Surprisingly, since XX/XX/XXXX I 've been reported every single month past due, including XX/XX/XXXX, month which the bill was incurred!!!! I would like the trade line deleted and a confirmation letter from the company that such action has been taken and communicated to all XXXX credit reporting agencies. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Excessive fees added to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (I do not know) with United Collection Bureau, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My family was called on their phones about my debt, after they had already spoken to me about it and had verified my phone number and location. Additionally they have called me numerous times, despite having already spoken to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Credit card) with Nelson Cruz & Associates LLC (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They have called me upwards of 60 times in the past month. They are callingmy parents house, and harassing them, after repeatedly being asked to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed