milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I talked to representatives at Transworld Systems. I spoke with " XXXX XXXX '' and her supervisor " XXXX XXXX ''. I explained to them that I was disputing the bill of XXXX from XXXX XXXX Hospital. I explained to them that I needed an itemized bill. I explained to them that they should send this bill back to XXXX XXXX because I was not giving up my HIPAA rights to Transworld. XXXX insisted that they can get an itemized bill. I tried explaining about HIPAA. Transworld need to be educated about HIPAA because they can be fined with an enormous penalty. I work in XXXX and Transworld is violating HIPAA when they say they can get an itemized bill of health procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Received marketing materials stating that during a pacific window if I used my card I would be offered an incentive rate of 1.99 % until 2019 if the card was used for purchases. I used the card to purchase XXXX in airline tickets during the proper window and was not given the promotional rate. Instead when I inquired Citi Bank informed me that I had to enroll in a program to get this rate. The material was received at my house because Im an existing card member. I used the card for this purchase based upon the literature I received. When I asked if I could enroll and then get the rate applied retroactively they said no. The materials were very misleading.

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 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XX/XX/XXXX Chase Bank has closed all my Chase credit cards : Chase Freedom # XXXX XXXX XXXX XXXX ( opened since XX/XX/XXXX ) and newly opened Slate Card # XXXX XXXX XXXX XXXX because during periodic account review they have identified that I am a " high-risk '' customer I have never being late once on my Chase credit card. I have been their customer for over 7 years ( had checking accounts, financed my vehicle which I paid offed earlier ). 

My income is stable and my credit score FICO 8 was XXXX at the time of the closure. 

It is still over 700 at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have sent in documents as I qualify for disqualifying status to have debt discharged, and they just keep calling and calling. They have called my neighbors, they have called my boyfriend and disclosed the amount of the debt, who was the references on the original loan, and any details that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My Name is XXXX XXXX, XXXX of XXXX XXXX who passed away. ( My Father ) The property in reference here is XXXX XXXX XXXX in XXXX XXXX, CA. My Father had this on a reverse mortgage but the home was also under water. Our agent XXXX XXXX XXXX XXXX ) XXXX with XXXX XXXX XXXX fought for over a year to negotiate with Wells Fargo Reverse mortgage to approve the short sale. Did is also a probate sale in which the court is really pushing us to close. We got approval on XXXX XXXX 2015 with a deadline to close by XXXX XXXX 2015. Everything was going well until XXXX of the buyers got ill and ended up XXXX. During this period there was nothing we could do, nor his lender. He was XXXX and i do n't possibly know a way we can make hime sign, or summit documents in that condition. This is clearly something that was out of our hands. We reach out to Wells Fargo to explain to them the situation and they refuse to work with us. The processor clearly told us that if we do not close by XXXX XXXX. The deal will be drop and property will face foreclosure. They said their hands were tied and nothing they could do because this was a HUD guideline not theirs. How is this possible? we work so hard to finally get this deal here and how is it that we could not get 3-4 extra days to close when the buyers was submitted to the hospital. How is it that there is no exception for something like this? This was out of our hands and by anyway not a delay to close the file, it was an emergency the buyer went through. We are very upset because the files was drop and they are making us re-sudmit everything again so they can now approve us for the short sale. The whole experience with Wells Fargo was a nightmare, from them losing documents, to changing terms last minute, to approving XXXX thing and then changing it. How are they still able to operate. This is so unfair, we are only trying to make this right and it feels like they do n't care and all they want is to insure we lose. The buyer is out of the hospital and is devoted that the house he was only 3 days away from having has now been taken away over some policy that makes no sense. No supervisor, no manager could help. They all said there was nothing they can do. We want this deal close and we want to make sure they comply with that. As consumers i feel we are taken advantage. How is it that they benefit from turning down this deal from closing due to a 3 day delay?? would n't it make more sense for them to get pay and get this over with it?? 

I really hope you can help, my family is devastated by this. We can get over how they can just screw like this. We fought so hard to make this happen and now they just cancel the file over something we had no control.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Medical) with Healthcare Financial Services, LLC (MS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX/XXXX/2015, I ran a credit report with XXXX. My credit score was XXXX with no adverse accounts or collections. On XXXX/XXXX/2015, I started working with my husband on an erroneous collection that had been place on his credit report. During the course of our discoveries, we found out that this was a medical bill for me. We never received a medical bill. We never received a collection letter. We never received any written or verbal communications from anyone. While working with the collection agency and their client, the doctors to resolve errors they both had made on our address and our insurance company and the proper person to file the insurance claim, out of nowhere, a collection for the same account was place on my credit report on XXXX/XXXX/2015. The client, XXXX XXXX XXXX admitted that they made a gross error in the way they initially filed the claim. 

On XXXX/XXXX/2015 when I found out about the medical bill, I immediately contacted XXXX XXXX XXXX and furnished them with the correct insurance information. By XXXX/XXXX/2015, they were paid. 

This should never have been referred to a collection agency. XXXX XXXX XXXX filed their insurance claim incorrectly. XXXX XXXX XXXX had an incorrect address for me and therefore, I never received any communication from them about a medical bill. 

When I went in for an emergency service, I went to XXXX XXXX XXXX XXXX, all information with regard to contact information and proper insurance, XXXX, was furnished to them. They filed their claim and were paid in full promptly. I 'm sure the physicians were contracted through the hospital so I have no idea where they obtained their billing or insurance information in order to file a claim. I did not contract with XXXX XXXX XXXX. My entrance into the hospital was with XXXX XXXX XXXX XXXX. 

I never received a collection letter from XXXX XXXX XXXX. They used the same incorrect address that the Physicians used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After being guilted and begged, I reluctantly co-signed a student loan for a friend through  XXXX   XXXX . We had a falling out a few years later and she cut off communication and moved out of state. Some time not to long after,  XXXX   XXXX  contacted me about the loan being behind. I brought the loan current and was told that if I made on time payments for  two  years that I could be released from the loan. I made my payments but shortly before the  two  years w as up, the loan was transferred to Navient. At the end of the two years, I contacted Navient  and was told they have no such policy and refused to honor my agreement with  XXXX   XXXX .  Six years  later, I am still making payments with no end in sight an d Navient still r efuses to help me by going after  XXXX   XXXX , the primary loan h older. Navient could care le ss who pays the loan as long as they get their money.Navient should honor what  XXXX   XXXX  told me and release me from my obligation. I understand the commitment that I made co-signing but the intent was to help out here or there with a payment, not have the entire loan dumped on me. As far as I see it, this was a criminal/fraudulent act by  XXXX  and should be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I used online chat to connect with Navient about 1 month before my final loan payment was die. The total loan was slightly more than my auto pay amount so I wanted to pay off the remainder. I was told 1 month before that auto pay was cancelled. On XX/XX/XXXX, I called to pay the full amount of my loan. I was told on the phone call that auto pay was not cancelled, although I was not notified. They would cancel auto pay for me then. I was also told that by calling to have customer service take my final payment, there would be a {$14.00} handling fee. This is completely ridiculous since the Navient web site is not user friendly to pay off loans or increase auto pay amounts. They kindly waived the handling fee for being a valued customer. ( eye-roll ) They took a payment by credit card of the remainder of the loan and was told auto pay on XXXX was cancelled. On XXXX, I called Navient again to confirm auto pay was cancelled for XXXX and they confirmed it was. 
On XXXX, I logged into my bank account and found that the remaining total of the loan was withdrawn as well as my usual auto pay amount of {$170.00}. Two payments were taken out of my account. I called Navient right away and while they apologized for the situation, they could only send the {$170.00} by check within 7-10 business days. They would not connect me to a supervisor or manager. So I went on XXXX and XXXX to recount the events. I got a reply to both with in minutes! It was there that I also found out about the lawsuit. The reply I got was to contact XXXXXXXXXXXX. Interesting that a loan company uses " socialmedia '' as their email address. I got a reply to my email and phone call saying that I would be reimbursed directly to my bank account within 2-4 business days. XX/XX/XXXX will be day 4 and I have not been reimbursed yet. I am hoping for the best but am not too positive after reading other people 's complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (I do not know) with AmeriCollect (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: UPON CHECKING MY CREDIT I NOTICED A COLLECTION AGENCY REORTING THAT I OWED THEM MONEY WHICH I WAS UNAWARE. I RESERCHED THE COLLECTION AGECNY AMERICOLLECT INC ON FLORIDA OFFICE OF FINANCIAL REGULATION AND ACCORDDING TO MY FINDINGS AND FLORIDA OFFICE OF FINANCIAL REGULATIONS AMERICOLLECT INC IS NOT LICSENCED NOR BONDED IN THE STATE OF FLORIDA TO COLLECT THIS ALLEGED DEBT. THEY ARE IN VIOLATION AND CAN BE FINED. ( please see attachments )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Ad Astra claimed they have sent documentation and as of this date there has not been anything delivered. I have even checked with the post office and they do not have anything. I am requesting a deletion of this account from all 3 credit bureaus. I have even requested two times about a pay for delete and in no way am I acknowledging this is my account. I just want it removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAD A SALE DATE ON MY HOME ON XXXX XXXX WITH NATION STAR MORTGAGETHAT WAS TRANSFER FROM XXXX XXXX XXXX, TO XXXX, FROM XXXX XXXX XXXX, I APPLIED FOR A LOAN BUT THE LOAN WAS TRANSFERRED, FROM XXXX PLACE TO ANOTHER, SO I REQUESTED " A QUALIFIED WRITTEN REQUEST '', BUT NEVER GOT ARESPONSE, BUT ACCORDING TO THE REAL ESTATE SETTLEMENT PROCEDURES ACT THEY ARE SUPPOSE TO SUPPLY WITH ALL DOCUMENTS PERTAINING TO THE REQUEST, BECAUSE I DO N'T KNOW WHO IS HANDLING THIS LOAN AND MY LOAN MOD REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX XXXX XXXX, amended & restated my tax returns from XXXX & made themselves my conservator. My home was sold by my former employer in XXXX, using my XXXX XXXX ss #. The XXXX Family is also involved with organized crime. The Family made copies of my mortgage at XXXX XXXX XXXX XXXX TN using my signature. They refinanced my home with XXXX XXXX XXXX, this was done in XXXX with US Bank. The XXXX Family have property in Texas, XXXX XXXX. XXXX XXXX XXXX XXXX forged my signature to steal {$100000.00} from XXXX XXXX & sent to US Bank mtg .

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 05-05-2015 about Payday loan () with Cottonwood Financial Ltd. (UT).
Issue: Can't contact lender

Complaint: A phone message was received by several people on my phone contact list stating that I have a complaint filed against me and they should contact " this number '' immediately. I have no idea how they had access to my phone contact list as the people who received the message where never listed on any form or application by me. When I contacted the number the man said " XXXX XXXX ''. When I asked what they do he avoided all questions. Continually stating I am in dire straights and must pay a certain amount immediately to avoid charges of " fraud ''. He has demanded this money immediately and I refused. He then said " I ca n't protest you if you do n't pay. '' I told him if I owe money I will contact the company I owe myself but refuse to send him money. I am so embarrassed that my contacts have received this message. The XXXX XXXX man refused to answer why their company has my private phone number list and why they are contacting people on that list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I had an Auto Loan with XXXX XXXX that is paid off but showing a balance. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX showing the balance is " XXXX ''. I like to address the issue with you concerning TransUnion reporting tactics on my credit report. This is not a frivolous dispute and the word dispute needs to be removed off my credit report because this is a legitimate case and I will be providing the letter from XXXX XXXX. So, that TransUnion can change the balance owed to XXXX and take the word dispute off my credit report.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately. 

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : XXXX XXXX XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 submitted disputes to Transunion for over 2 years and also to CFPB only to have the same information continue to be reported wrong on my credit report there are 7 accounts with XXXX XXXX that should be only have reported status of closed paid in consolidation and any other remarks removed. I have a positive consolidated account from XXXX that is not reporting wrong please do n't dispute. Also there are 8 accounts from the XXXX XXXX XXXX reporting as included in bankruptcy which should only be reported as closed and paid with no negative reporting. Student loans are not included in Bankruptcy I have contacted XXXX & the XXXX XXXX XXXX and they have continued to state they have n't been contacted by Transunion to verify the information.

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 02/24/2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (MN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was told conflicting information about being on the income driven repayment plan. When I first started this plan several years ago, I asked if I could still make payments towards my loans even though I had a XXXX dollar per month payment on the income driven repayment plan. I was told I could not make payments towards my loans and that it would affect my status in the income driven repayment plan if I did. Therefore I did not make any extra payments towards my loans, even though I had some ability to do so during this time. Now I owe more on those loans because of interest accrued. I called the lady and last month to ask the same question, can I make payments on my income driven repayment plan Loans even though I have a XXXX dollar per month payment. I was now told that I can make payments on my loans with no consequence to my income driven repayment plan. I wouldve been doing this for years had I known it was a possibility, Which would impact the life and accrued interest of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Credit card debt) with DISCOVER BANK (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I got a credit card with Discover and I lost my job shortly after. I tried contacting discover to explain why my account had got into the late status. I contacted them and was told the department I needed to speak with was n't available and they would call me back. I never heard back. I then received a letter form   XXXX   and  XXXX   XXXX  in  XXXX   notifiying me that Discover had hired their Law Firm and for me to contact them in 30 days if I was denying the debt from a discover.  I received a statement of claim from magistrate court of  XXXX   XXXX  Georgia on  XXXX   XXXX    XXXX  . I have repeadly tried to contact the attorney on the paperwork and only spoken with them once. I was told to contact them again once I had made my decision or made a counter offer and I have since contacted them on Wednesday  XXXX   XXXX    XXXX   at  XXXX   XXXX  Friday  XXXX   XXXX    XXXX   at  XXXX ,  XXXX ,  XXXX ,  XXXX    XXXX   All of these times i have left voicemails. I have also emailed them multiple times and the attorney  XXXX   XXXX   XXXX  said she would forward my emails for him to call me back and he has n't. The man I have spoken to on Wednesday  XXXX   XXXX  at  XXXX  ;  XXXX   XXXX  his name is  XXXX   XXXX  with  XXXX  and  XXXX   XXXX . I was told I had to give them an answer by Tuesday  XXXX   XXXX    XXXX   whether it as going to agree to payments or agree to the amount they offered for a settlement. I was told by  XXXX   XXXX  that I could counter offer their settlement which I was trying to do by my repeated attempts of phone calls voicemails and emails. I left the amount of my counter offer in an email and on a voicemail. I was threatened that I had to answer by  XXXX   XXXX  which is not 30 days after I was served

Company response to consumer: Closed with explanation