milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2017 about Debt collection (Medical) with The Law Office of Edwin B. Parry (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a summons from XXXX XXXX XXXX the attorney for XXXX XXXX XXXX in regards to an outstanding medical debt of {$77.00}. The summons stated that with collection and attorney fees, I owed {$350.00}. When I called the office of Edwin B Parry today, XXXX/XXXX/17, to discuss settling the matter prior to judgment, I was told by XXXX that to halt the judgment the full balance had to be paid today. The amount XXXX said had to be paid to halt the judgment was over {$400.00}. I was driving at the time so was unable to write down the exact amount but the amount he said would be required to halt the judgment was well over the amount listed in the summons. I stated that amount was more than 4 times the amount of the outstanding medical debt. I asked if the amount could be settled on and was told no. XXXX also stated that payment had to be made today to halt judgment. I stated that I would n't be able to remit payment until the XXXX and XXXX told me that if payment was n't made today the judgment would be submitted. I again stated that I would n't be able to remit payment for 2 weeks, and asked if he was unable to accept the arrangement if that was n't someone there who could. I was placed on hold and when XXXX returned he stated that he could n't accept an arrangement because I 'd refused information on the call. When I stated that I had n't refused to provide anything I 'd simply stated what my intention of calling was when he 'd answered the call 5 minutes prior. I stated that if he 's telling me that I ca n't work out a payment arrangement because of a question he 'd asked over 5 minutes ago that seemed pretty catty. I told him that if additional information is required to work out an arrangement is required, then I can simply provide that information. XXXX stated that this call was n't going anywhere and disconnected the call. I called back and asked to speak to someone else where I was transferred to someone 's voicemail, and have yet to receive a returned phone call. The amount that XXXX demanded to halt legal action was inconsistent with the amount listed on the summons and legal action was threatened if that amount was n't paid in full today. This is deceptive and abusive.

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
Consumer complaint received 08/28/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was extended {$1000.00} credit from XXXX XXXX/Care Credit formerly XXXX XXXX for dental work. If the debt was paid within a year, no interest would be applied. First {$84.00} payment was due in XX/XX/XXXX. I made 7 consecutive payments of {$84.00} before I noticed that my account was not being credited. On my mobile device I could see the {$84.00} payments were in pending mode and on my PC there was no activity showing at all. I called Synchrony and complained. I was told that it would be investigated and rectified shortly thereafter. My first seven payments totaled {$580.00} with {$410.00} outstanding. I was promised at least a dozens times that it would be fixed. I paid a total of {$1200.00} that was never credited, even though my XXXX bank account was verify-ably debited. Synchrony never helped me and eventually charged off the account. They sold it to a collection agency called XXXX XXXX XXXX. I was able to speak with XXXX at XXXX XXXX XXXX, who said they would investigate my complaint. On my credit report there is a payment grid with 27 OK payments with no amounts in the OK area. This is a totally messed up situation. My credit has been ruined by XXXX XXXX/Care Credit and XXXX XXXX XXXX for a debt I paid. 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 10-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is not reporting my mortgage payments to credit reporting agencies even though I reaffirmed my mortgage following a 2014 bankruptcy.

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 06/17/2015 about Debt collection (I do not know) with The Affiliated Group, Inc (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Affiliated Credit Services calls on my cell asking for me by name and then asks for personal identity information ( PII ) before disclosure of information. The phone numbers are XXXX and XXXX. I ask them for more information about the company, but only the name Affiliated Credit Services is given. Told her I would not give my address or birth date as I did not know the company. I checked my credit report and did not find any outstanding debts or complaints. She, the Affiliated Credit Service XXXX, threatened to call back until the PII questions were answered.

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 06/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on Transunion I noticed a negative report on my credit. The negative report was from XXXX, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my Transunion credit report. I am requesting that XXXX or any of it affiliates should remove such negative statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ever since I was forced to file Bankruptcy in XXXX 2008 I have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly XXXX Credit Report is what Credit Check Score is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as XXXX. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well.
Very Respectfully, XXXX XXXX XXXX XXXX
XXXX XXXX XXXX Veteran

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 10/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: Hello, I have attempted three times to partner with Navient to open an investigation regarding the student loan assigned to my SSN. I just realized the school the Student Loan was drawn from I never attended. This entire time I thought this Student Loan was from my XXXX XXXX and its not. Navient has me flagged for a loan that I cant afford to pay each month as well as its not even my loan. 

So therefore, I would like an investigation on the Student Loan amount to be place on some type of hold until a solution is determined as its fraudulent. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: Multiple unauthorized transactions over the Internet withdrew all my money from my Bluebird AMEX account on the same day my direct deposit from work went in my account. The transactions were from XXXX countries and I discovered them on the same day that they occurred and notified my bank while all of them were still on " hold ''. The bank said no action could be taken till the transactions were processed and now that XXXX of them Total ( {$990.00} ) have gone thru and the bank still has not updated me on when I will get my money back. Meanwhile there are at least XXXX more pending transactions putting my account in as overdrawn by $ XXXX and I have no money to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Credit card debt) with Critical Resolution Mediation LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have set up a payment plan with the correct Debt Collector. This person is not with them and they keep calling and threatening me with legal action if I don't give a down payment. They have quoted me several different balances and call from different number. she was abusive and refused to give me any account information and answer any questions. She lied about what I said in the phone call and continued to hang up. I recorded the phone call.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Update from case # XXXXBank of America has assigned me yet another case manager : XXXX XXXX. I last spoke to home on XX/XX/2015. At that time we agreed that I would re-apply for a home loan modification. He was to send me via XXXX the paperwork and mailer with which to send updated income information and bank statements. As of today, I have not received these document instructions or the mailer. I just tried to make a payment on my account to bring it current and the Bank of America website locked out my new bank information, so I am unable to make this payment for the next 3 days, thereby making my payment 30 days late ( unless I pay a {$15.00} fee ). 
I contacted the HOPE line as included in my Bank of America denial letter. In speaking to XXXX representative over a 2 hour time frame, I was told that I do not qualify for help because I am not late in my payments. I was also told that the option that Bank of America gave to me : a short sale, that I do not qualify for this as I have equity in my property and not " upside down ''. I would think that a banks should know this if they were truly looking at my case. The other option : Deed in Lieu of Foreclosure appears to give the bank all of the assets that I have worked so hard to avoid. 
Bank of America is taking away my ability to keep this property by denying my request for the home loan modification. I do not want to become late in my payments. I do not want to send private documents without some sort of paperwork to support them. Bank of America has placed barriers to my ability to continue paying for this property and appears to want to take the pro cedes of my hard work over the past 10 years. 
Please help me. All I am getting is lip service and time wasting telephone calls with no action. 
I am attaching the letters that I was sent supporting this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2017 about Payday loan () with Advance America, Cash Advance Centers, Inc. (NC).
Issue: Can't contact lender

Complaint: I am getting collection calls regarding XXXX loans I allegedly took out over 10 years ago. My first issue is that this was approximately 10 years ago and no details as to how I could have XXXX loans ( months apart ) with the same company have not been answered. How if I was in default for XXXX loan, could I take out another at the same branch? My next concern is why we 're he checks that are required to apply, not cashed out? My understanding is loans are paid back by withdrawing the money from the account the check was from. Next, the company was sued for predictory lending practices and barred from offer such loans. I am being threatened with garnishment but can not get any documentation regarding these loans I allegedly took out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have a major issue with the credit bureau in regards to its reporting of several account from XXXX XXXX. I do have a few accounts with XXXX, however there are some accounts that I personally did not open and I also have duplicate accounts, well they are not necessarily duplicate, however they are from the same company for the same card with different account numbers where neither of these accounts were open by me. I have disputed these inaccurate accounts with the creditor and also with the credit bureaus. I have send request for validation of debt to the creditor by way of certified mail. I get no response and the credit bureau all though they are aware of these non-responded validation of debt request they refuse to remove these account from my credit profile. I have followed all necessary steps required by the fair debt collection and fair credit reporting laws and still have gotten nowhere. I would like to have the following accounts researched and deleted ASAP from my credit profile. I have given below both accounts that are mine as well as the ones that are NOT my accounts. 

Accounts to be removed : XXXX XXXX/ XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX XXXX Account # XXXX I do not know the amount as it is not displayed on my credit profile. 

XXXX XXXX/XXXX Account # XXXX {$4500.00} XXXX XXXX/XXXX XXXX Account # XXXX and Account # XXXX Dont know why there are 2 XXXX XXXX accounts reporting for one person, but ... ... Both needs to be removed as I never applied nor opened a XXXX XXXX account. 

XXXX XXXX XXXX DC Account # XXXX *************Accounts that are mine and not in dispute*********** XXXX XXXX/XXXX   store card Account # XXXX XXXX XXXX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX While I am aware some accounts are mine. Some are not and I have followed what I should to have these removed and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed the negative information on my credit report starting XX/XX/2016. This month my negative accounts were deleted off my Equifax report along with my positive accounts. The only disputes I filed with Rquifax were to get my negative accounts removed and/or corrected. I did not authorize the positive accounts to be deleted or the negative items to be re added. I called customer service on XX/XX/2016 and spoke with XXXX. I asked her to please add my positive accounts back onto my report. She added my positive accounts back along with the negative ones that should have stayed deleted and then refused to correct it. I have attached proof below of the accounts being deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Medical) with Credit Adjustments Inc (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Collection Agency did not send any notices, did not send copies of bills and was not given the opportunity to dispute the debt. Was not aware of it until I received the court notice. Started making payments, still have not received notices to confirm payments. Contacted my employer for garnishment, still have not acknowledge the payments that was made.

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 01/14/2017 about Debt collection (Medical) with Amsher Collection Services, Inc. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I do not owe them money. At the date I was receiving medicaid and medicaid should have paid for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold from XXXX XXXX to Freedom Mortgage. We were in a loan modification program with XXXX XXXX and we were full filling all terms of the agreement. Once the loan was sold to Freedom we started to recieve unpleasant phone calls. One representative, named XXXX was totally unpleasant, rude, obnoxious and un professional. The company claims to not have our paperwork and they clain we are over {$16000.00} in arrears. This is totaly false. Our pleas fall on deaf ears. When we call we are directed to XXXX. And I refuse to speak to this person any longer owing to his rude and crass behavior. We have fullfilled the terms of our loan agreement. But Freedom refuses to speak to us about this and they instead threaten to foreclose on our house. This company is impossible to work with. During one phone call XXXX asked if my wife was home. I told him no. Then my daughter entered the room and spoke to me. XXXX then relayed to me that he knew my wife was at home and he inferred that I was lying to him. Experiences like this are very much the norm with this person and this company. We have read XXXX complaints online from other consumers who have been subjected to similar treatment. We do not want to lose our house, be in arrears or be subjected to any more threats, poor service, insults or lack of professional communication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, I sent in a complaint against my servicer, Ocwen Loan Servicing , LLC ( Ocwen ). I received an email from you with a Case number : XXXX. I have been unable to log into my account and requested the password but have not received the last email, so I am filing a new one. Ocwen has still been giving my the run around. I have spoken to several people including XXXX XXXX | Consumer Account Analyst | Office of the Consumer Ombudsman. I have been promised information along with an updated escrow analyst, but have not received. I am worried they are going to place the forced place coverage back on my account at a much higher rate then the homeowner 's insurance that I had before Ocwen decided not to pay and it got cancel in no fault of my own. My mortgage payment has increase two times since I submitted my complaint ( which I have paid in order to keep my mortgage current ). This is causing a financial burden on me and it has still not been resolved. The only thing I am getting is empty promises and and letters from Ocwen stating they are reviewing my account. This has been going on since XXXX 2015. I am so frustrated that I do n't know what to do at this point. What are my opinions? How can I get this resolved once in for all? PLEASE HELP ME.

Company response to consumer: Closed with explanation