milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As noted when speaking with one of cfpb 's representatives, I am submitting more information re my recent complaint against Tenet Healthcare and XXXX XXXX XXXX. 
To reiterate briefly, on XXXX XXXX, XXXX, I visited the Emergency Dept at XXXX XXXX, XXXX XXXX, XXXX. After about 5 hours of waiting with internal bleeding, a Tenet employee called me to window 3 in the ED waiting room, looked at my XXXX card, and informed me my visit that day was free of charge. I received a bed shortly after that. Then, in a classic Bait and Switch, I receive bills from Tenet and their subordinates for {$7200.00}! 
This is part of XXXX 's response : " We have contacted our client and verified that the consumer was provided and signed a financial responsibility agreement prior to receiving services. The consumer was provided with a copy of this document at the time of service to keep for their records. '' I dispute this response as even if I did sign something ( I have no copy of this ), being at a level 10 threshold of pain, had n't eaten solid food for almost 2 days, was severely dehydrated, and due to these conditions any such " signing of financial responsibility '' was not made with informed consent - I was in too much pain to comprehend anything such as signing a responsibility agreement. ANY SIGNING WAS DONE UNDER DURESS, WITHOUT INFORMED CONSENT! 
Let 's look at who we are dealing with - Tenet - who paid XXXX XXXX a few years ago when prosecuted for XXXX fraud, and just lately agreed to pay over XXXX XXXX for XXXX fraud! XXXX executives are now charged in this recent case as well. 
My point is twofold - TENET IS A CORRUPT CORPORATION AND ROUTINELY LIES TO PAD ITS PROFITS! TENET WAS/IS LYING WHEN THEY STATED THAT THEY COULD FIND NO EVIDENCE OF THEIR EMPLOYEE INFORMING ME MY XXXX VISIT WAS FREE OF CHARGE. AS WELL, THEY BILLED ME FOR OVER XXXX PERCENT MORE THAN XXXX WOULD PAY FOR SUCH SERVICES! THEIR BILL IS AGAIN ATTACHED TO THIS COMPLAINT. For instance, I was charged {$3000.00} for a CT ABD PELV with CONTRAST - XXXX PAYS ABOUT {$250.00} FOR THE SAME SERVICE! THAT 'S A 1200 % OVER BILL! The blood work was not bundled, and came to {$860.00}! 
IT SEEMS TENET IS RADICALLY OVER BILLING - TRYING TO MAKE UNDERINSURED/NON INSURED PEOPLE, ESPECIALLY THIS SENIOR, PAY THEIR FINES FOR BEING CORRUPT AND PRACTICING XXXX AND XXXX FRAUD. IT IS DIFFICULT AS A LOW INCOME SENIOR TO FIGHT THIS CORRUPT COMPANY. TENET IS NO DIFFERENT THAN A XXXX THUG WITH ITS JACKBOOT ON MY THROAT THREATENING MY CREDIT RATING AND DOING ITS BEST TO DESTROY ANY PEACE I MIGHT HAVE AFTER WORKING 49 YEARS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Chase is the only party listed that continues to act like there is n't a problem here. Everyone else is at least trying to help. Therefore Chase is the only one getting an FTC complaint this week. I am throwing in HUD for good measure : Complaint reads as follows : I bought a house using Chase Bank as the lender. Chase chose XXXX XXXX to be the title company. 
Prior to the my purchasing the home the parcel upon which it sits was divided. It used to be XXXX large parcel with XXXX houses. The large parcel was divided into XXXX smaller parcels prior to the sale. 

XXXX parcel has my house- this is the only parcel I own. My " rear neighbors '' own the other XXXX parcels. 
Chase, with the help of XXXX XXXX, made some huge mistakes in the closing paperwork and recording the deeds. It turns out, the deeds were n't done by the time I closed and I never agreed to anything they are submitting as my closing paperwork. We do not have a valid contract. 

For added entertainment XXXX of the XXXX selling parties and I have the same last name. XXXX. No relation and no one looked at first names. My mail will never be the same ... : ' ( I do know my SSN # was attached to the sellers name and I am concerned Chase may have " reinvented '' my identity with this move. 
All of the small details are really complicated and over my head. I have kept detailed notes, a running journal, and all of my records/letters. There are so many documents I am going to hold off on sending until I have a rep, otherwise it will be very confusing for everyone. I have some experience : ) The end result is that I was, and am, being charged a lot of money for taxes on land I do n't own. Chase knows I do n't own this land. I went through the process with the XXXX AG 's, and we fixed it, but they recently " unfixed '' it. 

I just opened my new XXXX AG complaint, but I need more help. 

They have destroyed my credit, are continuing to report, and they are n't even sure how much I owe them each month ... and we do not have a valid contract. 

They have also taken to sending collectors to my home to harass me on the weekends at times my children are present. They have left me in a state of total financial and emotional devastation and are continuing to ignore me. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The following complaint was resolved by it being removed from XXXX on XX/XX/XXXX. How do I get it removed from XXXX and Equifax also? Here was my Case number : XXXX I am disputing the only adverse account on my report, which is XXXX # XXXX ( XXXX ) for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XX/XX/XXXX when my bill was paid in full thru XX/XX/XXXX. 
On Friday, XX/XX/XXXX, at approximately XXXX XXXX., when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XX/XX/XXXX. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XX/XX/XXXX when my account was paid in full thru XX/XX/XXXX. 
I owe XXXX nothing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2015 about Debt collection (Credit card) with Global Recovery Group (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Received a call from " Global '' in XXXX, AZ. Phone number is XXXX. They advised that someone would be coming to my house with the Sheriff in order to get this matter handled. I had my son-in-law call them and Global refused to provide any fax number, email address, or address where we could provide written correspondence for litigation against this company.

Company response to consumer: Untimely response
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with CL HOLDINGS LLC (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Jefferson capital is not a licensed debt collector in the state of Massachusetts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I am a XXXX worker, employed through a staffing agency. My supervisor at the client company received a debt collection call. She said she 's received several calls before and gave me the telephone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never opened a XXXX Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (FL).
Issue: Problems when you are unable to pay

Complaint: In XXXX of XXXX, I obtained a loan for a XXXX XXXX XXXX thru Wells Fargo. I, like many other people lost my job in XXXX XXXX, XXXX. I did what I could here and there never really getting an actual full time job about a full year later. I refinancedvthe car just 6 months later thinking it would benifit me in thelong run. I was a stupid kid and got completely taken in the finance office because I was on unemployment and desperate. I did everything I could to keep this car and paid it in good standing, until I couldnt do it anymore in XXXX XXXX. I called them and they told me a " A VOLUNTARY SURRENDER IN MUCH BETTER THAN A REPOSSESION ''. I told them where the car was and at that time I owed a little more than XXXX. They auctioned the car for XXXX. They told me it would come off the balance. Then one day tgey transferred tge debt to a different part of Wells Fargo and suddenly I owe XXXX. They have been REAGING MY DEBT for a very long time and have cost me ManyLoan and credit decisions. It has cost me Much Higher credit. Please help! I believe it is 100 % Bad Ethics collections and has been for a long time. Thank you very much for any helpor guidance in advance.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: on 2 separate occasions i sent Lexis Nexis a certified letter requesting a security freeze be placed on my data. I also called them twice because I never received written confirmation that my request was processed and completed. On both occasions that i did speak with one of their reps they assured me my request was processed and they would send me either a letter in the mail or an email confirming my request was in fact taken care  of. I never received either.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Due to an error ( not submitting insurance payment from our escrow ) on the part of the Mortgage Servicer, beginning 2 years previous of notification to me, I was placed on " Force-Placed '' Insurance, and the payments went up from aprox. {$1900.00} per month to almost {$2600.00} per month. 
Even after we got our own insurance, we were considered a " High Risk '' insurance, and ca n't get the rate we used to have, but now have a {$2300.00} per month payment to deal with. 
I want to get my old payment back, as now this is a major struggle to meet payments, and I fear that I will lose my home due to someone 's ineptitude. 
HSBC 's attitude has been one of aloof indignation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On my Equifax credit file are  XXXX  unauthorized inquires from. The  XXXX   XXXX   XXXX   XXXX , i have disputed this with Equifax a very long time. I finally got help from a  XXXX   XXXX  representive who agreed to rmove the  XXXX  unautherized hard inquiries dated  XXXX / XXXX /   2016  and  XXXX / XXXX / 2016 , well Equifax took them off for a few weeks and put the  XXXX  unauthorized inquires back on my Equifax credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with R J Baucum Enterprises, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This agency is calling repeated times during the day after multiple attempts to cease all calling. This company uses multiple numbers during the day to call attempting to make it seem like someone else is calling.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: On XXXX/XXXX/XXXX I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XXXX/XXXX/XXXX and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XXXX/XXXX/XXXX to which I immediately called XXXX for an opt-out again. Today, XXXX/XXXX/XXXX, I received another XXXX XXXX mailing. I thought something was not right so I pulled my XXXX credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am a co-signer on my daughter 's private Student Loans with Citibank. I recently found out when applying for a loan that my daughter has defaulted on her obligation to the loan due to high monthly payments. The loan has apparently been marked as Charged Off and it has severely affected my credit. I never received anything in writing from the lender indicating the default, the balance owed, the late payments, or asking me to pay, etc. I was never given the opportunity to satisfy the debt. The loan is many years old and I had no idea that my daughter was struggling with maker her payments. I think it should be mandatory that creditors provide the defaulted account information in writing to the co-signer to give them a chance to rectify. It seems like a very unfair process.

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 04/17/2017 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (UT).
Issue: Problems when you are unable to pay

Complaint: I have recorded phone calls where I have requested they not call me and only communicate through the mail. They still continue to call me. I have these calls recorded. I have saved the voicemails where they leave very detailed information on my voicemails and have given my mom information also. They leave messages on my voicemail saying my account is past due and I can get money out if I come down and refinance my loan and tell me how much. They leave me messages on my voicemail saying it is really important they talk to me by the end of the day then give me a time. They harass me constantly and they would even call relatives that are not references and tell them I will not call them back. I have since paid them off but I can prove the harassment and can give the documentation if needed. I have the recorded phone calls where I told them to not call me again and they still would many times a day even after I would talk to them, they would call me a couple times after.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was charged a monthly fee without my knowledge, for a service that I thought was free. I signed up for TransUnion after being directed there from XXXX, and I saw no disclosed charges. When I purchase a service I expect to be told up front about any cost that will be occurring, especially a regular monthly charge. After speaking with a representative, my service was cancelled and my {$19.00} charge for XX/XX/XXXX will be refunded. However, I want to be refunded the charges from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXas well, totalling {$59.00}. The customer service rep admitted that they could tell I hadn't used the service often, if at all. I was sneakily and dishonestly charged for a service I wasn't even using, and as such a total of XXXX was stolen from me. My name is XXXX XXXX and my phone number is XXXX. I spoke to a rep today, XX/XX/2018 around XXXX. I did not request from the rep to refund the additional months, as I did not know they existed until after I hung up and went back through my credit history. Therefore, this rep should not be blamed for not providing good service. After reading other reviews of similar things happening to other people with no satisfying results, I contacted TransUnion through some online messaging system, and immediately came to file a complaint due to my extreme dissatisfaction and digust.

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 monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: With Navient, my loan went from XXXX to over XXXX in interest because of forebarence.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Other debt) with Midwest Recovery Systems (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midwest recovery systems is trying to collect a utility debt from me that was incurred over ten years ago. The original company I owed the debt to was XXXX XXXX in the amount of {$810.00}. They constantly call my phone numerous times throughout the day and on weekends. Now they are contacting my daughter her telephone number is XXXX and threatening her that they are going to call her employer. This is harassment and it needs to stop. I have block several telephone numbers that this firm uses. If you need any of these numbers please contact me. 

The harassing company is : Midwest Recovery Systems. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX MO. XXXX. Their telephone number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX   XXXX   XXXX      Installment loan  for {$5000.0 0} I Applied a nd they denied.   They denied me because of limited  Credit Experience .   They only applied for a installment loan when i wanted to apply for them all.   Due to redlining and the  Homestead Act  i feel their practicing those discriminating acts on me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I was initially on an Income-Driven Repayment Plan. As I entered into school as a student at various community colleges, the advertisements that I would receive, aside from several network intrusions that would also interrupt internet service, would advertise false information about loans, grants and repayment plans tailored to teachers and expectant mothers. This information appeared on any computer that I would use and would not appear for others. After not knowing what to do about the advertisements as the problems with the interruption of the service were reported to the Federal Communications Commissions and I continued to submit my annual documentation to the loan servicing as required for the Income-Driven Repayment Plan, I submitted applications for other types of repayment plans without submitting false information to qualify for the repayment plan, i.e. I filled out applications for public service loan forgiveness, teacher loan forgiveness, loan discharge application false certification ( ability to benefit and disqualifying status ), without stating that I entered into an employment agreement for a full-time position with a qualifying public-service employer or into an employment agreement for a full-time teacher for at least five consecutive, complete academic years. I did this to provide proof that I did not qualify in order to stop receiving such advertisements and because I suspected that I may have been a victim of identity theft somewhere along the college enrollment process. The school identification cards displayed pictures that did not look like me. During the period of time that this occurred, my financial information, including tax records, were consistently stolen from locked areas. This information was reported to the Federal Bureau of Investigation, including their Internet Crime Complaint Center, the California Franchise Tax Board and the Internal Revenue Service. At the time that the documentation was not requested, I did not have the requested tax documentation and communicated the aforementioned to customer service. I also verbally communicated to the XXXX XXXX customer service department the information that was provided in the documents that were faxed to the CFPB on X/XX/2018, XXXX XXXX PST, and attached to this complaint. I also provided my end of the year pay stub on an annual basis. I believe that I submitted enough documentation as necessary to recertify for the next 12 months until the documentation requested becomes available, as the circumstances creating their unavailability involve crimes that I can not solve and were reported to the appropriate authorities, the Federal Bureau of Investigation, the California Attorney General ( in re to theft of secured areas ), the California Franchise Tax Board and the Internal Revenue Service.

Company response to consumer: Closed with non-monetary relief