milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2016 about Debt collection (Medical) with ECMC Group, Inc. (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Due to an insurance mix-up a medical bill got turned over to a collection company without my knowledge. I was doing an annual credit check when I found it on my credit report. I called XXXX to find out what it was about. I told her that I had never received anything in writing about this collection notice. She told me that they made several calls. Because I get so many spam calls I do not answer unless I know the caller. They can leave a message and I will respond if it is legitimate. IF they left a message it was too non-specific for me to consider it anything other then another spam - like the IRS one going around. But again, I NEVER received a collection notice.

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 06-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: RUSH PLEASE I have foreclosure sale date scheduled for  XXXX   XXXX ,   XXXX   and I can not stop it. I have Loan Modification with my servicer NATIONSTAR MORTGAGE,  LLC a nd seems like they are violating my CALIFORNIA HOMEOWNERS BILL OF RIGHTS.     Hi, my name is  XXXX   XXXX  and I 'm having a very hard time dealing and working with my servicer NATIONSTAR MORTGA GE, LLC. I h ave mailed and faxed over all documents for a loan modification but they are still proceeding with the foreclosure sale scheduled for  XXXX / XXXX / 2017 . If they proceed with the sale they will be in violation of the CALIFORNIA HOMEOWNERS BILL OF RIGHTS. I really do n't know what else to do. They say they will not give me a loan modification and that they can not do anything. How is it that they can not do anything. I 've been trying with them for a long time. I tried and applied for the Keep Y our Home Cal ifornia program when it was still active and they still said I was denied. I need help. They keep denying and prolonging the process until I have exhausted all my resources. I will not stop fighting till I get a loan modification if be it I will have to file a lawsuit against them in court.

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 EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is state that my mortgage is behind in the amount of {$5300.00} which is not corrected. I have send two certified letter to this company asking them to provide detail of alleged debt and how it was calculated according to FDCPA. It has been 30 days and still no response. i have taking every measure under the FDCPA to get them vaild the alleged debt owe but still no response. I truly need your help with this matter. 

Thanks XXXX XXXX XXXX Cellular

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (I do not know) with SCOTT FETZER FINANCIAL GROUP INC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Recently filed a claim with CFPB in reguards to this same account. This account Was is fradulent and does not belong to me. I sent the theft packet and required documents back after receiving it and it havent heard anything back until i noticed this account was reporting back on my credit report at the beginning at XX/XX/XXXX. This account was previously removed from my credit report. I am in the process of purchasing a home and this is hindering me from being a homeowner. As stated before this account is fradulent and i shouldnt be punished for something that does not belong to me. Attached is a copy of my police report.

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 03/22/2017 about Debt collection (I do not know) with Integrated Recovery Services (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: A call from integrated services it was a robocall. Basically the voice said that they were attempting to contact but they bleeped that name out. The recording went on to say that they gotten some legal paperwork and if I did n't get ahold of them today that I was going to be facing federal and state charges for not paying a financial Institution. At the time I did not know the company 's name that called but I did a little research I found out that their name was integrated services after that point I did a web search and found out that there is no law firm by that name.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (I do not know) with COLLECTIONS USA, INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently began to check my credit reports when I discovered a XXXX collections accounts from Collections USA alleging that I owe {$2600.00} and {$790.00} for what appears to be from an apartment complex. I disputed the debt and Collections USA verified XXXX illegitimate account through the credit bureau. The account for {$790.00} was deleted. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collections USA has not responded to my validation request and has not removed this trade line from my credit as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/2011. I have never been to XXXX County. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Like a desperate college student, I got a private Hesaa NJ Class Loan. I defaulted on the loan, my parent and I put down a large lump sum amount. I was put on a temporary payment plan to give me time to pay the rest. However, if you do n't have the money, you do n't have the money. I made all my payments on time. Received a letter that the balance XXXX was due, called the Attorneys to continue this payment plan, because my family do n't have the lump sum to pay off. We cant get a loan, because this loan in preventing us from getting any outside Loan. So we are stuck. Hesaa, please give families that have defaulted on your NJ CLASS LOAN the ability to rehabilitate their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Billing disputes

Complaint: Last month i disputed a transaction on my capital one credit card against XXXX XXXX for {$130.00} and for {$150.00}. Capital one gave me credit for it, at the same time Capital one will conduct a investigation which i understand is a standard procedure. Few weeks past and Capital one send me documents supporting XXXX transaction. i was given ten days to reply by Fax, I did and said none of the documents support that I " XXXX XXXX " authorized the transaction, no location, nothing imply. Capital one re bill me for these transactions, I try to email them asking when will these transaction be credited again but sadly the answer was we dont know. I did not made these transactions and i would like to be credited again. Attach are the documents from Capital One and conversation we had

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Rewards

Complaint: After logging on to my Bank of America Credit Card site ( XXXX XXXX, 2015 ), I saw that there was a message from Bank of America. The message stated that they were voiding and removing any of my Reward Points from my Elite Reward Program as of XXXX XXXX, 2015. I called the Bank of America to investigate. I was told that they sent a message to me in XXXX and that there was nothing that they would do to reinstate my Reward Points. I asked how they could do such an amoral action? I was informed that they agreed with me that it was wrong, but that it was a corporate action. The total value of my collected points was about {$700.00}. I was going to use this to buy airline tickets to my wife 's family for XXXX. Ahh!!!!! This is just not right. I have played by the rules my whole life regarding paying my bills and saving {$.00} Please help and let others know that their points have been robbed. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX   XXXX   XXXX   failed at my loan modification and my loan refinancing. Credit report went from  XXXX  to  XXXX . Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a  XXXX  credit score to refinance. It was  XXXX  when I first applied for a loan refinancing. After 130 days it failed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was called at XXXX today by Diversified Consultants about a XXXX XXXX bill of {$680.00}. This was a random call and I really did not have the time to talk, as I was busy. So, I proceeded to ask XXXX XXXX XXXX could I call her back at another time because I was busy and she proceeded with : " well, we are on the phone right now, so why do n't we go ahead and get this settled. What are you going to do about the debt? It has been in collections since XXXX! I was shocked and I told her that that was not the right way to go about the situation especially if someone tells you that they are busy and they will call back. The phone got disconnected and I called back. It was XXXX XXXX again and I asked her if she wanted to try the conversation again. She proceeded with being very rude and nasty to me again ; therefore, I asked for a manager. I was put on hold and XXXX XXXX XXXX, the Supervisor on duty, came to the phone. I expressed to him that XXXX was very rude to me and I even told him what happened ; he replied with " well I understand that, but we are on the phone and you called back so what would you like to do about this debt that has been delinquent since XXXX? '' I was appauled because the professionalism was so horribly portrayed. I could not even carry on a conversation with these people because they were haggling and being very forceful and rude to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I Purchased a new roof for my home from XXXX 's XXXX XXXX on XX/XX/2017. I received several estimates prior to going with Lowe 's. I went with Lowe 's because I trusted they would likely stand behind their product and services and additionally they provided a 10 % discount to veterans which I fall in that category. My original estimate was approximately {$9000.00}. After speaking with the Pro Desk salesman, and talking about the decking that is common for houses in my neighborhood at the age of my house 50 years, I was told that Lowe 's would not be able to do my job without continuous plywood decking. That added an additional {$10000.00} to my job. My new quote totaled out to {$19000.00}. This is with an estimated 46 squares of shingles. After discounting was applied at {$3600.00}, I walked out with a total of {$17000.00}. 
I ended up calling my local county building code inspector who verified with Lowe 's that the additional decking was not needed or required. I informed the salesman from Lowe 's that I did not want or need that additional decking and was told that it would be returned with all the unused product. Every other roofing company including Lowe 's included 400sq.feet of additional wood for repairs when the old shingles were removed. Lowe 's used 400 sq. feet of decking on my garage roof area with the job. At completion, I returned 125 sheets of plywood decking out of 140 sheets. I returned 25 packs of shingles, 2 rolles of 4 synthetic roofing felt and several ridge vents. I was told it ended being 40 squares used. That was 2 squares over what other roofers estimated. After returns, my total ended at {$12000.00}. This is a 30 % markup over every other estimate. I got a total of 6 estimates before settling on Lowe 's. This should've been a {$9000.00} project.

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 06/27/2015 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: I apply for America Express Serve Card and they advertised early deposit and on XXXX/XXXX/2015 did not process my direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XX/XX/XXXX XXXX XXXX took XXXX out if my bank account then again on XX/XX/XXXX they took another XXXX out then on XX/XX/XXXX another XXXX these withdrawls where unauthorized i never approved any of these transaction soon XX/XX/XXXX i contacted the bank to make them aware of the unauthorized transactions they took the information and filed a dispute against the mechant however on XX/XX/XXXX i called to check the status of my dispute and was told my dispute was denied because they called the merchant and the zip code on file with them matched the zip code the had so it was no way that the transactions where unauthorized and it doesnt make sense cause my id was also taken along with my debit card number ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a complaint from my mortgage company that the monthly payment for my mortgage loan has not been received for two months and if not received my house will go into foreclosure and i need to submit two payments including late payment fees immediately. I pay online through my credit union and when I check the monies have been deducted from my account on time. So I call the mortgage company and tell them that according to my checking account that they should have the money and their should not be any late fees. The representative tells me that even though my account may have paid the company may not have received the payment on time. I asked if they received the payments and he stated that my account has not been paid yet. So I contact my Credit union who tells me that the issue was handled by a phone call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (AL).
Issue: Trouble during payment process

Complaint: Pennymac Loan Services bought my original mortgage from XXXX XXXX XXXX in XXXX XXXX. I have an exemption at the court house stating my property taxes do no increase due to XXXX XXXXXXXX. Pennymac is the responsible party for my escrow account, in this matter. I received a check in XXXX stating I was over paying on my escrow account, then a during XXXX of XXXX received a statement stating my escrow was increasing and reflected a negative balance for the cushion. In XXXX of XXXX, the County contacted me stating my property taxes had not been paid, and my name would be submitted to the local newspaper. After contacting Pennymac, a payment of XXXX dollars was paid to the county for delinquent taxes. I have now received another statement stating my escrow account is XXXX dollars in the negative, and they require an additional XXXX for a cushion. I called the company and it was explained they were under the assumption, my CO taxes were XXXX dollars a year, and due to the XXXX dollars paid in XXXX for the delinquency and the additional XXXX - which is my actual yearly property taxes, were paid, including my XXXX hazard insurance - my account requires XXXX dollars to be current. My first issue, is the escrow account and payments are their responsibility, they purchased my account, and I am forced to allow them to handle my escrow account. Secondly, if they paid a delinquent payment in XXXX, how did it take almost 9 months to determine my correct tax amount, and why is the mismanagement of this company constituting a financial hardship on my behalf. I could have budgeted all year long, had I been in charge of my own finances. I have just accepted a lower paying job and am not prepared to pay an additional XXXX dollars for my mortgage a month, after I made this career choice based upon my budget. This happens to be XXXX as well, and receiving a debt collection for XXXX dollars for Pennymac 's poor management, is absolutely unacceptable. In addition, they have maintained this account almost two years, their mishandling should not change my life drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are several accounts on my credit report that have been deleted and are still showing on my report. Also, I supporting document that XXXX account has been completely paid off and should have never appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have a AMEX card that came with a points bonus for spending so much money within a time frame. However after two months without getting my bonus points I am fed up.I have called and spoke to reps online to no avail ... I keep getting the same answer that they are having technical issues, which is XXXX. I completed my end of the contract but they are not honoring there part of the contract, this is a classic breach of contract. My most recent contact came today ( XXXX/XXXX/XXXX ). I completed my end of the contract in XXXX and I should have gotten the bonus at the end of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Debt collection (Medical) with Peter Roberts & Associates, Inc. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hospital did  not correctly bill  XXXX  or supplemental insurer.   I am subscriber in good standing to both.   I had previously complained to billing hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: In XX/XX/2017 I requested my free annual report from all XXXX reporting companies. Equifax and XXXX refused to issue the report stating they could not verify me. I had moved and also I have not had any debt on my report in years. I could not answer any of the questions Equifax asked- none of them. Both XXXX and Equifax sent letters to my current address requesting additional proof of identity, which I did and sent by certified, return receipt mail. XXXX processed my request, however Equifax has not replied. It has now been over 2 months since the request was made and proof of identity submitted. I have the return receipt stamped as received by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: the bankruptcy on file has been  discharged  but they wo n't verify it keep telling me they verified through a third party but has no information on status refuses to verifie it through the court

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation