milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The issue with this " company '' is more than just repeated calls, it involves all the other issues that were added as options, but it only let me choose one. I just got a call at XXXX today XXXX XXXX XXXX. But I 've been called before XXXX, after XXXX, and even on XXXX. This is a company that I have spoke to on multiple occasions and after fruitless attempts to explain that I paid my insurance out of pocket maximum and do not owe these medical expenses, I have told them to no longer contact me. And yet they still call ... XXXX times within this past month alone. The number is usually ( XXXX XXXX XXXX, and that will be the number I 'm referring to in my complaint. 

I 've been dealing with this for almost 3 years at this point. They have sent debt collection mail to my in-laws home, which I have never lived at and have no idea how they have their address. This is not something I have ever consented to. Additionally I have been told that if I do n't pay this debt it will reflect negatively on my credit report, even if I already paid my obligatory insurance out of pocket costs. I 've told them to send me information proving that I owe this debt and that they are the ones who are legally allowed to collect on this supposed debt. I have yet to see a single piece of paperwork for either. 

This last call I received is the final straw and is what is leading me to complain. The woman I spoke to was aggressive and accusatory. She called me a liar when I said I had already spoken to both my insurance company AND this company. Obviously I 've been dealing with them for almost three years, I 've definitely spoken with both entities to get this straightened out. 

She demanded that I pay. She did n't ask me to pay. In fact, her first intro to me was, " Will you be paying this debt with a credit card, check, etc ...? '' The amount was for a little over $ XXXX. I told her I was n't paying it at all since it 's not debt I owe. And that 's when she got aggressive. Her voice changed, as well as her attitude. She said that she " knows '' what the insurance company said ... despite accusing me of lying about speaking with them. She claimed that she would be writing all sorts of things down in my " file '' that I never even said. She said the call *may* be recorded and I truly hope it was.

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 11/15/2017 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX 2017 we started the process to refinance with our existing mortgage company, SunTrust. After four months and us providing every piece of paper asked for they still have not signed off on the loan and have given us no explanation as to why we are being denied. Our loan processor was great and really tried working with the underwriters and was a confused as we are about why we have n't been approved for a loan we more than qualify for. We have nothing in writing and everything we have been asked to return to them we have sent to them in a very timely manner.

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 03-02-2018 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: I have an issue with my mortgage lender Stearns. I bought my house a few years ago with a30 year fixed GSE XXXX XXXX mortgage through Stearns. It had taken me years of scraping by, but I was able to come up with the 15 % down payment. I have gone through multiple hardships that caused me to fall delinquent but have always tried to engage with Stearns and have even made a reinstatement payment to them at one point in time which they did not apply to my loan balance. I feel that they no longer are interested in working with me and are denying me access to government and internal programs that I should be reviewed for. I am back on my feet and working full time after a yearlong battle with XXXX and expect Stearns to work with me and review me for homeowner assistance options. Instead they have set a foreclosure sale date of XX/XX/XXXX! 

At the time I purchase my home I had a good paying job and was easily able to afford my mortgage payment. Not long after that my son was XXXX and there were XXXX XXXX and he needed the XXXX XXXX XXXX XXXX XXXX XXXX. This kept us in and out of the hospital for 9 months and I had to take a lot of time off of work to try and manage and care for him. As a result, I missed a couple of mortgage payments. I entered into an accelerated payment program in order to try and get back into good standing with Stearns. The problem is that these payments were not applied to my balance and I did not know where the extra money went. A few months later I made a good faith payment of {$9000.00} which should have brought me current. However, Stearns failed to apply the money to my loan and I was still reporting as behind on the loan and this money sat in suspense for a long time. 

In 2016 I was diagnosed with XXXX XXXX and had to begin treatment and also had multiple XXXX. I was unable to work and once again defaulted on my mortgage. While going through treatment I was shocked to find that my lump sum payment had STILL not been applied and that I was reporting over one year late. I am happy to say that I am now XXXX XXXX, and that I resumed working at my job this past week. I make a good living and I am able to afford a fair mortgage payment. The problem is that Stearns seems more interested in foreclosing on my home than giving me a chance to fix this matter. 

I really feel that I have been deceived and misled by Stearns. I paid the accelerated payments and then made the lump sum reinstatement payment but they still showed me as late. I continued making my monthly payments until I had to battle with XXXX and was physically unable to work. I was still trying to negotiate with your Stearns during that time but made no headway. My case was transferred from department to department and I never had a definitive account manager. Now that I am back on my feet I need Stearns to work with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Maury Cobb, Attorney at Law, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: With date XX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX at the store # XXXX of the XXXX of XXXX FL. ( see Receipt # 1 ) On XX/XX/XXXX, I went at the store # XXXX of XXXX to transfer the Cell number XXXX and XXXX to XXXX, explaining to Sale Rep. that the line XXXX is not going away to use any more. 

The day XX/XX/XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) Then I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XX/XX/XXXX and made a payment of {$100.00} for this line that was not been used or had charged minutes since I transfer the other lines ( See Receipt # 3 ). Again I told the XXXX Representative that this line was not in use, he replied that is better is I will call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX cancelled the line ending on XXXX. 

After I made all this payments, I had been notified by XXXX  XXXX XXXX that I had reports on my credit for delinquent. I suppose this was the reason for the denial of credit lines that I was applied. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, until I received the last notification ( XX/XX/XXXX ) from the office of a lawyer Maury Cobb Attorney at Law LLC.  Asking me to pay a total of {$370.00}. 

I went several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior and with a good credit record that they are affecting. 

For this reason I demand that my credit wil be repaired by XXXX and leave this abuse and harassment. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NY).
Issue: Struggling to pay mortgage

Complaint: For one year I literally jumped through hoops for my homeowners support home modification application. Bank statements, certified letters, pay stubs resubmitted several times. After following all their guidelines I was approved. I had a 3 month trial period XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  I met all the requirements. Paid through the trail as contracted. Citi mortgage then sent a mobile notary for me to sign the final mortgage. I am still intrail at these crazy amounts. Theyre charging me {$140000.00} for a {$70000.00} loan. I felt as if they were taking advantage of me for I never heard anything again but was instructed to continue the trail payments. I have since stopped I fear that I am being scammed. The entire process has been one difficult thing after another with Citi never holding up their end. Why wasnt I given my mortgage upon completion of my trail payments. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Student loan (Non-federal student loan) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently consolidated my student loans with another bank/loan servicer. The loans after a lot of time in between were finially listed as paid in full. However there is a credit attached to my previous account. That credit has been on my account for well over 30 days and I believe American Education Services is purposely holding onto my credit as a way of punishment for leaving their company and add extra unnecessary interest charges to my new loan. I believe their response time to refunding this credit to me or my new lender is completely unethical and want this credited to me or my new loan ASAP

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working on a modification for the last past year and I been decline due to my finances, now I have a new job as a teacher and my salary has been increasing since them, however, I have a sale date for XXXX XXXX 2016, I resend a Loan Modification package to my lender ASC on XXXX XXXX, 2016. Today I did a follow- up, and I was told that my count could n't be reviewed one more time for a Loan Modification due to the fact that I have been delinquent for the past 3 years. I asked who took this desition and I was to by one of the representatives that are a new police that took place XX/XX/2016 and also the investor who is XXXX. I want to do my best to keep my property, I ca n't imagine losing my home after having made so many sacrifices to purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: We have never had a Wells Fargo account. 
I received and email from : WeIIsfargo Bank ( address : XXXXXXXXXXXX ) which said someone had unsuccessfully tried to access our account and referred us to : XXXX I am concerned that this may be a phish. 
Submitted FYI.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (I do not know) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: First I would like to state that I have never signed up with Advance America. I never contacted their company nor signed up for services through them. XX/XX/XXXX I stated receiving emails from what appears to be Advance America saying I owe them for an outstanding balance. I have never received anything in my physical mail in regards to any debt owed. I have asked multiple times for them to send me documented proof of debt and they have continued to not send me verification. Yet every few months I receive an email saying I owe them. Not only are they only emailing me trying to obtain money, but they are refusing to show proof of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened Amex Delta Gold credit card with XXXX plus XXXX $ of promotion offer in XXXX, XXXX. I have met the spending requirement in XXXX and contacted the Amex many times saying the offer will be posted in my account. But it has been 5 months and nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: First, you have to understand, 'credit lock ' is a Transunion product they charge for- and that they have manipulated their website to steer you away from a 'security freeze ', which is free. 

Of course, after the breach/debacle with XXXX, Transunion is ready to pounce in predatory fashion and ONCE AGAIN exploit the consumers misfortune by ensuring you are NOT ABLE to get a security freeze ( one again, your right to completely free security ). 

They have completely blocked EVERYONE 's ability to complete a security freeze online, a process that takes seconds to complete. At the end of this process you will receive a message to contact them via phone. Once you call, you will guided through the security prompts and in the end, you will be informed they are ( once again ) unable to process your request and you will need to talk to a representative ... after which you will transferred to a busy signal. 

***** Remember, if you ca n't place the security freeze you are completely entitled to, your only option to protect yourself is to purchase Transunion 's Credit Lock product ... funny how that works. FYI, ignore the mis-information ALL of the bureaus/CRAs are promoting on a Security Freeze. They are easy to do. AND- you can apply for credit at any time- just be ready to provide your pin to the creditor. It 's that simple! 

Next, rinse and repeat, over and over and over and over again. I have literally attempted to get this done dozens of times over the 4 days since the XXXX debacle was initially reported.

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 04/25/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: on  XXXX   XXXX ,   XXXX   i settle a debt of  XXXX  dollars for  XXXX  dollars, they were supposed to take it off, of my credit report, but they did n't they still show that i owe a  XXXX  dollars. I call them various times and asked to be fixed they always tell me that it is being updated but it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase attached a corporate advance fee to my mortgage loan that I do not owe, was never informed about and did not agree to. Although Chase claims this fee occurred XX/XX/XXXX or XX/XX/XXXX, the fee suspiciously appeared on my monthly mortgage statement XX/XX/XXXX, which is 4 to 5 years later. 

This corporate advance fee accrues no interest and is not due until loan payoff. Nevertheless, Chase stole ( took without my consent and knowledge ) some of the money from one regular ( Principal and Interest ) mortgage payment and applied the money toward partially paying this corporate advance fee that I do not owe and was unaware of. This means that the money Chase took from one mortgage payment did not pay down my principal balance and loan interest as I intended it to. My understanding is that the law mandates creditors to apply consumer payments toward higher interest amounts owed rather than lower interest amounts owed. Again, Chase took some of the money from my mortgage payment without my consent and applied it to partially pay a 0 % corporate advance fee that I do not owe and is not due until loan payoff instead of all of my mortgage payment going toward the interest accruing mortgage loan as I intended. Is that legal? 

I have told Chase Customer No-Service to remove this fee. Chase has not done so. I was also promised by Chase that no negative reporting would occur while the matter is remains unresolved. 

1. Chase must get the money that Chase took from my one regular mortgage payment and then wrongly put toward the corporate advance fee - get my money - and retroactively reapply it toward the interest accruing mortgage loan as I intended. And then refund the savings in the form of a check to me. 

2. Chase must remove the corporate advance fee. 

3. Chase must write a letter of apology. 

4. Chase must write a letter stating the truth - that my mortgage loan payment history is that payments were made on time - and send this letter to me and all XXXX credit reporting agencies. Note : Chase promised that my credit would not be adversely affected while this matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my debt. In    XXXX   XXXX   2016, I started the process of purchasing a home. In   XXXX   XXXX   2016,   when about to close on my home, I was informed that I had an outstanding collection that had appeared out of no where from this company stating that I owed  XXXX  for an unpaid bill. I was unaware of this debt until that time. At that time, I called  Convergent Outsourcing, Inc. and inquir ed about the debt, they asked for all the information and concluded that it could be a case of fraud. At that time I asked for proof the debt so that I could provide proof to my lender that it was not my debt so that I would not be disqualified from purchasing the home and I was informed that they will send out their fraud packet as well as proof and as of this date, I never received said documents. I have took it upon myself to dispute the debt by sending in proof of my identification and st ill this company is trying to hold me accountable for this debt. I recently contacted the   XXXX   major credit bureaus with a  XXXX  letter to re-investigate this debt and I ha ve recently been informed from  XXXX , that the item has been verified and reported correctly, however, I still have not received documentation validating this debt as mine.

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 07-12-2017 about Debt collection (Medical debt) with Professional Credit Management, Inc (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was on contacted on  XXXX   XXXX  at  XXXX    XXXX   from a representative for  Professional Credit Management  (  XXXX  )  XXXX   XXXX , AR about a medical debt. I informed  PCM  that I am not responsible for said debt, that I have a court order from my divorce settlement stating any prior and future medical bills for the children are the responsibility of my exhusband. It was then tha t PCM  told me they do not pay attention to or obey court orders and I was responsible and would be reported to the  XXXX  credit bureaus as deliquent and sued for the debt.   XXXX  I was not aware that debt collectors could pick and choose which laws and court orders they had to obey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I made a settlement arrangement with American Express for 24 monthly payments. I have been making these payments via phone for 12 months. I have asked repeatedly for the people I deal with ( American Express Global Collections ) to send me written confirmation of my payments and they refuse. When I press the matter, they hang up on me. When I call the general American Express customer service number, they refer me back to the American Express Global Collections number. I am getting nervous about paying such a large sum without written confirmation. I have no idea who these people are or if they are indeed working for American Express. And I have no idea if once I complete my payments, American Express will consider my debt settled. It is all very vague and sketchy, and I ca n't understand why I ca n't be sent written confirmation of my regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Mortgage (Other mortgage) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a construction loan earlier this year with a medium sized bank. The senior loan officer clearly knew how much I needed to fund the project. The bank and the mortgage broker had indicated the bank could fund up to 90 % of the appraised value. However on two separate occasions ( most recently XXXX XXXX ) I received a conditional approval for only 50 % loan to value. I believe this was not incidental, but intentional. This was after stringing me along for months and months with repeated requests for documentation that I had already sent, but it had misplaced or lost. 
Their process is deceptive and has placed me in a vulnerable position. If I want the project to go forward I am forced to put in a sizable amount of money. This is bad for me, but good for the bank because its risk is lower with a 50 % LTV than a 75 % 0r higher LTV.

Company response to consumer: Closed with explanation