milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with SCA Collections, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted the collection company and requested that they verified that the debt was accurate and mines and written proof. To no avail they in fact sent me a letter saying it was verified with a typed procedure and amount stating that is was verified and that I owed said debt. This is a Hippa a violation I in fact did not request for my medical records to be presented to a third party.

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 11-01-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage loan was sold to Specialized Loan Servicing XXXX, 2016 from XXXX XXXX XXXX XXXX XXXX . I was not given the appropriate 30 day notice per Tennessee law My wife has had a XXXX XXXX, she is unable to work. My wife has to have medical care and medication monthly that is not covered by my insurance. I requested a mortgage modification from my previous servicer. I have faxed request for modification to my new mortgage company. Please assist in this urgent matter. 


Thank You

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 04/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out a private loan with  XXXX   XXXX  in  XXXX . It is now serviced by Navient. I am struggling to find a job and also a mother of  XXXX  kids with another on the way. I am having difficulty paying most all of my bills at the moment and my family and I have been homeless since  XXXX  of  XXXX . Navient calls me several times a week from various phone numbers. I have asked for leniency and also for some kind of income driven payment plan. All they offer me is for me to pay {$50.00} forbearance that will bring my account current but no other option s. Two days go t he representative threatened to garnish my bank account and paycheck and then asked me to ask my father to pay for my loan. He even mentioned my dad by first name. I am unable to pay this loan at the time and the only option I have is to default.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NC).
Issue: Deposits and withdrawals

Complaint: Identity theft occurred : While I was in XXXX a man with a fake id and fake credit card walk into a chase bank in XXXX and withdrew {$5200.00} from one of my bank accounts. I realized this happend and went to a chase back in XXXX the next morning. At that point we filed identity theft with all XXXX credit beuros and also with Chase. The XXXX managers who were in the room with me than showed me a closed caption video of the man in XXXX withdrawing the money. Proving that not only did case not do there job in checking from proper I 'd in the XXXX branch but also showed me hard proof that indeed someone had stolen my id. They all admired worng doing and told me I would relieve the money within 30 days. Since I have learned that Chase has denied my claim and will not give the money back to me. They told me that because it was the same XXXX drivers Licence used in XXXX and XXXX that it had to be me. Also I have never been to XXXX. And chase knows that becuse they at the time were the only bank and credit card I used. And I had never booked a trip to XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Payment was made to XXXX XXXX XXXX who transferred my loan to XXXX without notifying me of the transfer and on XXXX XXXX, 2015, I sent a cashier 's check from XXXX for {$6000.00} that was deposited into XXXX JPMorgan Chase by XXXX for XXXX XXXX Payor XXXX XXXX XXXX, property address # XXXX XXXX XXXX XXXX XXXX. Also, I made for {$2000.00} I took out of my XXXX XXXX XXXX via a Cashier 's check that was again deposited in JP Morgan Chase by XXXX for another deposit for XXXX XXXX payor XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX, XXXX for a total {$8000.00} deposited in.XXXX XXXX account with me as the Payor.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Jim Bottin Enterprises, Inc (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I signed up XXXX 2017 with XXXX XXXX, XXXX XXXX, XXXX XXXX, tx for a monthly membership of {$8.00}. ABC Financial Inc is the monthly deducting company. 
XXXX XXXX XXXX, XXXX, AR XXXX Back in XX/XX/XXXX I informed them that I have been relocated overseas and I would like to cancel my membership. The clerk at the front desk said it will be cancelled. For two months ABC Financial Services was debiting my account for the fees. I called again and spoke with both the fitness club and ABC financial Services. ABC financial said they needed documentation to confirm my move. So I provided them with Government issued Visa and residency card as proof of the move.
Yesterday I received an email stating that it was not suffice and they needed a one way ticket.  I did n't keep the ticket. 

I have done what the ABC rep told me to do and ABC continues to charge me the monthly fee and late fee and service fee. Now totally {$39.00} a month. I have provided everything they need to cancel this membership and they a purposely delaying the cancellation to charge additional fee. 

I really feel upon my return they will damage my credit. 

Please help me resolve this matter. 

Thank you XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with POM Recoveries, Inc. ().
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: amount was paid in full months ago before collection attempts, agency is unresponsive to my information and continues to harass me with calls and letters

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 11/19/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (GA).
Issue: Other

Complaint: An account is still showing a balance after being paid.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra and hippa violation taking more than 30 days inaccurate information sent the po report too many to count the XXXX breach has cost me my life they are taking more than 30 days not 100 % correct

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 05/31/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: I have received notification from my home owners insurance company that my policy was going to expire due to non-payment, yet my mortgage loan is escrowed. In order to prevent the cancelation I paid the home owners policy myself. I have been attempting to contact my mortgage servic er ( Wells Fargo ) however they do not pick up any of their phone line when going to the insurance prompts, or general servicing. Most recently I called the line stated that they are experiencing a high number of calls and to call back later then disconnected me. I as the consumer should not be responsible for correcting my mortgage companies error, and even when I do correct it, I ca n't contact them to discuss to prevent from happening again. Not sure what the service company is doing other than simply taking my payments. Need help to get into contact with Wells Fargo since multiple  attempts at multiple lines have failed to get anyone on the phone.   Thank you.

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 07-07-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (GA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: After reviewing my annual credit report, I realized I had not closed my account with Macy 's. On XXXX XXXX I mailed them a letter requesting Macy 's close my account. I was only able to supply them with the parcial account number supplied on my credit report. On XXXX XXXX I received a letter from Macy 's in response to my closure request. They were unable to close my account with the information provided. I do not know my full account number and would like to have this account 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 06-05-2015 about Mortgage (FHA mortgage) with STONEGATE MORTGAGE CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My FHA loan was closed in late XXXX of 2014. I lost my job due to injury prior to the close of escrow. The lender funded and closed the loan anyway. I did not know this was a problem. 
Now, I was looking to do a Streamline Refinance and the current lender tried to help me, but said my FHA loan was not insured. I have never been notified of this until now that i am trying to refinance. I am paying monthly MIP, but the loan is not insured. Am i entitled to a refund for all those payments? My loan closed with Crossline capital and was transferred to Stonegate Mortgage about a month after we closed. 

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Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting a bill from convergent outsourcing inc saying i have a bill for XXXX but will go away for XXXX but i do not have this bill and would like them to take my name off of it and stop sending it. they also hung up on my husband 6 times and we tried to get them to remove it but they did not help just kept hanging up on us ...

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Account opening, closing, or management

Complaint: Someone opened an account in my name at Wells Fargo.

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 05-10-2017 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hello my name is  XXXX   XXXX , I 'm requesting your assistance with solving the problem that I have continued to experience with financial ai de and Coast Professionals.      In the month of  XXXX ,  XXXX  I inquired about a loan rehabilitation program to continue with my college education. I was told that I would have to make a large down payment and the n 9  consecutive payments to get my present loans out of default. In the month of  XXXX  I acquired a loan and made a payment of  XXXX  that was supposed to count a s 2 p ayments to  Coast Pro fessionals. I also agreed to {$33000.00} a month to come out of my checking account on top of {$400.00} a month that was coming out of my account for garnishment.     In the month of  XXXX  I was told that my payments were complete and I was cleared of the program. I immediately contacted  XXXX  and proceeded to continue my education, and began to take classes utilizing financial aid, on  XXXX   XXXX ,  XXXX , I received a call from the  XXXX  representative  XXXX   XXXX  stating that I was not out of default ( this is the same individual that gave me the go ahead and scheduled my classes ) and to get out of default I needed to start the nine month process over. Ive completed more than  XXXX  classes and was told that I could n't take any more classes for 9 months, and I now owe the school for the classes that I took at   XXXX   that financial aide did not cover.     I stopped working  XXXX   XXXX ,  XXXX , after the death of my father. I dont have any additional money to give, this is the second go round with the company  Coast Professionals, at he end of my payme nt term they see to come up with a reason to give them more money.     Due to someone 's error I ca n't complete my education. I sacrificed to give the money that was required of me now I 'm told that I ca n't continue because I was given false information. I contacted Coast Professionals again  XXXX   XXXX , I was told to send in the required documents again to restart hed process, again I followed their instructions, yet I ; m still havent received any help.     PLEASE HELP ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Student loan (Non-federal student loan) with AES/PHEAA (IA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My issue is with American Education Services. I took out several loans to pay for my education at XXXX College in XXXX, NE. The college is now defunct. This company is constantly leading me astray. I 'll call for hardship programs, and representatives will tell me I have time available, only to find out that I did n't. This causes my loans to because delinquent, and the amount to skyrocket. Currently, over the past 6 months, I have had many different representatives tell me different things about the state of my loans. The most important being that paying any amount will keep you out of default. I had XXXX rep. explain that even {$10.00} a month would keep a loan out of default. In XXXX of 2015, I finally spoke to a " Loan Specialist ''. The properly reassured me that there was nothing else they could do to help me, to record all my conversations with loan reps due to their history of being inconsistent, and to write a letter to try and sway my creditors into allowing me financial help. The woman said the letter probably wont help, but it might be worth a shot. She then reassured me that I was n't even near default. A week later, I received calls and letters about default. 

This company also raises the interest rate greatly, and it fluctuates all the time. I 've been paying on my loans for almost ten years, and my amount owed as INCREASED! This company is deceitful, and does n't properly train their employees. There is also no protocol for misinformation/negligence on the behalf of the company. The blame always falls on the person that is paying. At this point, I will probably never be able to pay off this debt in this lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: ECMC Which I have never taken a loan from are historically and repeatedly destroying my credit report after being paid in full years ago. My Original student loans were from XXXX XXXX and then sold or transferred to XXXX different collection company 's ECMC being XXXX of the company 's involved. I paid all student loans off and after being paid ECMC appeared on my credit report. I have tried to contact them and ask for an original contract to show that I had a loan through the company. I never received any response. I disputed this with the XXXX credit reporting agencies and it was deleted from my XXXX file for lack of proof 2 years ago and last month ECMC decided to change all the open dates and amounts to look like a new account and re reported to the collection agencies. It is very difficult for me to get any information from this company about the accounts in question and I would like them deleted from my credit reports immediately.

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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
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: My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TXXXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, NC 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 11/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (NY).
Issue: Other transaction problem

Complaint: TD Bank is blocking access to financial data, concerning, third party applications. such as coinbase. crypto currency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Sir/madam : Re : Chase Bank Visa credit card # XXXX I was vacationing in XXXX XXXX, XXXX when I developed an XXXX and decided to checked in to XXXX Hospital. I was treated and they did other procedures like XXXX that in retrospect I suspected that it was done to increased their medical charges. I was released after 3 days. <P/>To our outmost shocked, I was billed for {$62000.00} in our Chase Bank visa credit card and Chase Bank accepted their charges. We now owe Chase Bank an additional {$62000.00}. We have just received a billing statement from Chase Bank Visa credit card that we now owe them this amount. My visa credit limit is only for {$15000.00}, but Chase Bank billed me way beyond my credit limit. <P/>The XXXX XXXX XXXX in XXXX cost only {$21000.00}. This hospital charged me {$62000.00}, three times of what a patient would pay for an XXXX XXXX XXXX. An XXXX treatment in XXXX would only cost a couple of thousand dollars. I was victimized like other American tourists in XXXX that needed some medical treatment. <P/>Chase Bank is not giving us any protection at all ; because XXXX Hospital could have charged me {$100000.00} and Chase Bank would just go along with it. My wife and I are both retirees and depending on our XXXX pension for our daily existence. We are on a real budget to survive. We saved many years so we can afford a vacation to XXXX. <P/>We can not afford to pay this humongous bill. We just ca n't. The monthly interest and principal on this amount would be around $ 600.00- {$80000.00} a month. There is no way we can pay it. The most we can do is pay this hospital to the maximum limit of our credit card. Prior to my checked in to this hospital, our credit card balance was XXXX and we still have {$8000.00} that we can spend. We are willing to pay the whole XXXX to XXXX just to go on with our life. <P/>Please help to right this unjust charges being imposed on us by Chase Bank. We appealed to them but they refused to listen to our side. They are a XXXX company and they should show more concern of the welfare of their customers and not treat them as trash. They should also be aware of the abuses of hospitals in XXXX to American tourists needing some medical treatments. <P/>Sincerely, XXXX & XXXX XXXX Email address : XXXX Address : XXXX XXXX XXXX, XXXX, Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called transunion XXXX XXXX, 2017 and spoke with a representative. I received a letter earlier this year about a security breach I did n't think anything of it until all of these inquiries started popping up on my credit report. The representative stated that they would not be able to assist me as I will need to wait the 2 year period for them to fall off. I have not applied for any form of credit and should not be held accountable for things like this

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