milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: After viewing a copy of my credit report, l noticed three collection accounts placed on my credit report from you inXX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt ( seeing that you never sent me any written notifications ). I am unaware of any outstanding medical bills that l possess, and I am seeking the name and hospital/medical provider to which l owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please accept this letter as my formal debt validation request, which l am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Waiting on XXXX to go through and husband is on XXXX leave which was explained to them. I do make at least a {$50.00} payment when I can. They call about 4 times a day on my cell phone and 4 times a day on my house phone alternating them house phone then promptly after my cell maybe wait an hour or two and do it all over again.

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 02/26/2018 about Checking or savings account (Savings account) with BARCLAYS BANK DELAWARE (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Tried to link my account to external application

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 01/13/2016 about Consumer Loan (Installment loan) with Investment Evolution Corporation (PA).
Issue: Taking out the loan or lease

Complaint: I applied for a personal loan through the online site 'Mr Amazing Loans ', and as part of the prequalification phase, the site attempted to get me to enter the Username and Password for my checking account at XXXX XXXX . I already provided my bank 's routing number and account number on the previous page. I have never been asked by any financial services site to enter my Username and Password for an account at another non-affiliated institution. I 'm certain there must be some regulations prohibiting this type of conduct. I would kindy ask the experts at the CFPB to look into this matter. This type of personal information should never be requested by any online site. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Trouble during payment process

Complaint: The mortgage on my home is serviced by XXXX XXXX XXXX of XXXX XXXX XXXX My loan number is XXXX. I was advised by XXXX XXXX that the servicing of my loan has been transferred to Fifth Third Bank ' XXXX, OH. My next payment is due XX/XX/XXXX. I generally pay my mortgage before the due date however it is now XX/XX/XXXX and I have never heard a word from Fifth Third Bank confirming that they are in fact the new servicer. I am reluctant to simply send my payment to Fifth Third yet I need to pay it soon. There is a phone number for Fifth Third however after numerous attempts and countless time on hold I have never been able to reach a live person. To complicate matters further I am selling my home with a closing date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Student loan (Non-federal student loan) with LOAN TO LEARN (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Loan to Learn has reported negative information on my credit report that is not true and will not respond to correspondence to remove from my credit bureau reports. I requested a deferment on payments since the student was still in school. We showed proper documentation however they sent our loan into collection with a private group located in California. We have been making payments to this law firm for 2.5 years on time yet Loan to Learn is still showing that we have not made any payments on my credit bureau 's thereby hurting my credit score and impacting my ability to acquire credit and hurting my employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this is not my report # XXXX please remove from all XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: There was a preforeclosure on my home XX/XX/2014. The loan was subsequently sold to another lender and the original lender was paid off and the account was closed. I agree that the loan foreclosure proceedings started but did not complete and that that it should reflect in the history. However in the current status the loan shows as foreclosure. This is incorrect and should be reported as closed or transferred not Foreclosure as indicated on the report. I have submit documentation to both credit reporting agency XXXX and the lender and both seem to believe that Foreclosure is the correct status. 
While the loan transfer shows correctly with XXXX and XXXX, the mortgage company and XXXX refuse to either correct or delete the tradeline for inaccuracies. XXXX currently shows this as a foreclosure not a transferred loan. The notes are correct the current status of this Loan with LoanCare is transferred not foreclosure LoanCare refuses to update their or resubmit the appropriate code that shows transfer even though they acknowledge no Foreclosure occurred. LoanCare refuses to correct the report to show transfer closed.

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 09-05-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Good Morning, The question templates do not reflect my issue at all. I apologize for going another direction with this complaint, but it is as follows : I do not have exact dates, but Navient has always denied my ability to split our school loan with my ex-wife, who has a poor payment history and is affecting my ability to pay back my half of our loan. 

That there is not an option for splitting loans due to events like divorce is maddening. I want to pay my half of the loan. But since it 's not eligible to be split, my credit is constantly being hit because of my ex-wife 's non-payment of her half of the loan payment on many months. 

I am at my wit 's end and am begging for an opportunity to have the loan split. Because of non-payment this month and last month, our payment amount has doubled in size with an unrealistic current amount due at over {$1000.00}. 

Please help. Thank you. 

XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX and XXXX both falsely assured us that they were not going to check our credit records. The said that a soft inquiery would not show up on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: on statement..no date on when maild payment due XX/XX/XXXXpaid through automatic payment through my bank how many days in this billing cycle? 
why are the number of days in cycle not stated on billing statement? 
accrued interest statement.. {$67.00} how much interest did really pay on this months payment? 
if different than XXXX..why is this not disclosed on statement? 
how much did i pay toward principle? 
what is pay off amt? 
if i pay off total amt next month,,, how much would i have to pay? 
i 've made XXXX payments..how many more do i have. 
how are you connected to XXXX XXXX in XXXX? .when i have asked to speak to president that 's where they direct me

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (MO).
Issue: Problems when you are unable to pay

Complaint: I had a car loan with Lobel Financial and became 45 days behind. Since XXXX XXXX I received a total of XXXX calls between my husband and I cell and work phone .They constantly called back to back and when we did n't answer they would send and anonymous text message stating " please pick up the phone ''. They told my husband 's boss that he was stupid for not putting my husband on the line. When my husband questioned the lady that made the statement she simply said " I do n't care I do n't work there ''. They contacted all of my XXXX references informing them of personal information. Letting them know that we were 45 days behind on payment. They recent took the car which we are find with but when I asked what it would take to pick it up. They stated that I wwould have to pay XXXX. This included 2 monthly payments and a XXXX tow fee which does n't include the fee at the tow. The day that the care was picked up Lobel 's rep called my husband 's phone back to back with in 5 mins at least XXXX time because he kept sending her to voicemail. This collection practice that they have is not right and unethitical

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made a settlement agreement with XXXX XXXX XXXX XXXX XXXX law firm that is managing my two charged off accounts XXXX and sent two cashier 's checks for {$2500.00} each. I was informed by a couple of XXXX XXXX XXXX representatives my checks were received. I called XXXX XXXX XXXX today to ask if they were able to expedite their process when it comes to contacting the original creditor ( Navient ) to confirm payment has been received. One of the representatives confirmed XXXX XXXX XXXX had already submitted that information to Navient as they upload information daily to this company. I contacted XXXX XXXX, consumer advocate for Navient, and he was able to submit my request to expedite the process on XXXX XXXX to report to the three credit bureaus. I was told my XXXX, XXXX XXXX XXXX has a 30 day policy. My payment has to be cleared in their office for 30 days in order for them to assure the funds are received and cleared. I asked XXXX XXXX XXXX today and one of their representatives told me this applies to clients that have judgements against them. The representative then stated I would n't have to wait the 30 days since they upload information to Navient daily and Navient is aware my funds are received and cleared. I then contacted XXXX XXXX by email letting him know of my findings. He then replied back " Dear XXXX XXXX, Unfortunately, we are unable to expedite the process any further. '' I asked " why not '' and have not received any replies yet. I am exhausted with this process! I have done everything XXXX XXXX XXXX and Navient have asked! I do n't understand why they were harassing me so much about these accounts and now that I 've settled, they do not want to deliver their part of the deal! This is not my first complaint with them!

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MP).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2005 I obtained a home equity mortgage loan for {$46000.00} limit. I have been making all payments as required by EFT until the lender stopped taking the payments. I now believe the term of 10 years was apparently up. The lender now reports my loan delinquent which completely prevents me from refinancing. There were no warning signs along the way to let me know I would have to refinance or make other arrangements. The lender is now initiating foreclosure which I see as a way for them to steal my home legally. 
A should offer to reschedule or refinance the balance of {$23000.00} so I can resume payments.

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 06/26/2017 about Debt collection (Other debt) with Radius Global Solutions LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Central credit services LLC XXXX XXXX, MO XXXX XXXX This collection agency is trying to collect {$380.00} from me. Now on my credit report. Please help me get this removed. XXXX XXXX has not legally informed me of this debt collection. I am Disputing XXXX  XXXX collections regarding unreturned equipment. I was forced out of my apartment after 14 1/2 years. I had one day to move my personal items out. I spoke to XXXX XXXX regarding stopping my service. They informed me to leave old equipment behind. It was obsolete and paid for after 13 yrs of having it, and that I would get a new mini box when I moved into my new location. The equipment was left behind in my old location, as advice by XXXX XXXX consultant. XXXX XXXX  can track this equipment if someone is using it. They informed me of this when I received a bill for {$380.00} then they told me there were going to investigate, but I never received a call back, either way, 2 months ago. Now they have submitted it to this collection agency. This charge is not legal, this is another way for XXXX XXXX to collect more money and rip people off. I have other people dealing with the same issue. They are scammers. Sincerely, 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 06/19/2017 about Debt collection (Medical debt) with Mid-America Accounts Control Bureau, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In  XXXX  of    XXXX     MID-AMER ACCOU NTS CO  XXXX , MO  XXXX  (  XXXX  )  XXXX  Contacted me and said I owed {$800.00}. I asked them to mail me out what I owed and to whom, "  XXXX  '' said he would. I called b ack 2 week s later and someone else said I would need to login to the website first. They would mail me the account number to setup the account. They did n't. I called back a couple weeks after that and spoke to the owner. He told me that no one would tell me that and I was a liar and I needed to pay the money. I finally got the amounts and dates from someone there. They will not let me pay current owed amounts until I pay bills they allege I owe from  XXXX , 14 years ago and told me there is no limitations on collection. I am paying the original creditors directly a nd Mid-America is reporting derogatory remarks to my credit history before they remove them as paid. I believe they are doing that to ruin my credit score and it is working. All because they refuse to mail me anything in writing or let me pay them the accounts they hold. They are horrible people. I have been working with other agencies this year and have not had any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Customer service / Customer relations

Complaint: Our lender is requesting an updated barclays statement with account number and balance ( not an uncommon request ). I called on XXXX and was told that their systems are down and it would take up to XXXX hours to complete. XXXX hours later the request was not completed. I called again on XXXX and they said they would email it by XXXX. They did n't. I called at XXXX on the very same day and they said it would happen by XXXX. It did n't. I called again at XXXX and they told me that the person I spoke to on Tuesday did n't create a case number. This is unacceptable as our financial future hangs in the balance. How is is that every other major credit card company was able to comply with a very common request within minutes, but barclay 's was unable to. This does n't seem fair or right that I will incur financial loss from their incompetency. Also, how is it possible that a financial institution has no backup plan for when systems are down. They keep saying their fax is down. In 2015, really?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Billing statement

Complaint: I have called customer service numerous times at XXXX on XXXX XXXX and got people in XXXX that lack SERIOUS training. I was on the phone for over an hour spoke to XXXX # XXXX along with his supervisor XXXX XXXX and both of them were not able to explain to me how my monthly payments were being allocated. I am not in the banking business but to me this is very basic information that should be provided to the customer. Furthermore they stated for me to look at my billing statement to obtain the information I was inquiring about, which by the way I did and it is not there! As a customer I have every right to know this information and no one is able to assist me. I proceeded to go to the nearest branch on XXXX XXXX dealt with a XXXX XXXX, Manager thinking I was going to get my answers and once again was forwarded to the same phone number. Furthermore the branch does not deal with any credit card issues!! It is very frustrating and upsetting that I have spent hours trying to get this information and not getting anywhere. I hope this compliant gets resolved as I will proceed to look into it further having this issue resolved because as I am looking into my statements there are missing monies that I have been paying that are not posted to my account. I now have a suspicion that HSBC is stealing my money especially since absolutely no one in this bank can explain how are ALL my monies being allocated. All I want is to pay off this card as they continue to raise my APR more than I think is even legal. I am requesting in writing where I agreed to this the constant APR increase and to make matters worse I want to know why I have XXXX balances with XXXX different APR 's? I have had credit cards for over 20 years and I have never experienced such thing. How are my payments being allocated? Is this business practice even legal. Additionally, when I inquire with the HSBC branch they can not even understand why this is happening to my account, when I ask you customer service people in XXXX they can not even give me a straight answer!! This is VERY BAD BUSINESS!!!! I also spoke to XXXX # XXXX and his supervisor XXXX yesterday at XXXX spent my whole lunch hour and did not achieve anything on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Late payment when it was submitted. Unfair I made the payment on time they did n't pay it on time.

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 08/15/2016 about Mortgage (Conventional fixed mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am being harassed by RMS Reverse Mortgage Services through whom I obtained a Reverse Mortgage last year. I have signed and returned three times, in the self-addressed envelope they provided, their letter of request for Certification of Occupancy. They continue to telephone me, threatening foreclosure. When I call them back, they insist they have never received my signed letters. Twice now they have left anonymous letters at my home, once entering my closed gate to leave it in my screen door, and yesterday a guest brought me another anonymous letter which was left on my front gate. Last week, in another telephone call from RMS insisting no signed letter of Occupancy has ever been received from me, I asked them to email a fourth such letter, said I would sign a fourth Certification of Occupancy, scan and return by email to RMS. Their agent agreed to email me the letter. I have received no such email, and yesterday 's delivery by my guest of their anonymous letter is the last straw. I have attached a copy of the first letter and envelope stuck in my screen door. 

I have excellent credit and should not have to put up with nasty phone calls and threatening letters. The only money I owe to RMS is the reverse mortgage they are accruing interest on each month, which will be paid if I sell my house or die.

Company response to consumer: Closed with explanation