milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: To. Consumer Financial Protection Bureau Greetings, I was XXXX from the Military because of XXXX and after a few years of struggle and hardship I could'nt afford to pay all my debt so I decided to enroll in the debt Settlement program. XXXX of my Debt is XXXX an unsecured Debt, which I owed a total of almost XXXX the debt settlement company the XXXX informed me that they already settled the Debt through Midland Credit Management account # ending ( XXXX XXXX in the amount of XXXX check # XXXX paid on XX/XX/2016 and they deducted to my trust fund at XXXX. now the Issues are the Midland Funding LLC is continued reporting to the credit bureau that my account is still open and they continued demanding that I owe money to this collection company Midland Funding LLC I hope the Bureau can Help me to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX, I went to XXXX XXXX XXXX Hospital because I suffered from XXXX. Upon checking in, they informed me the machine they have that tests that was broken. So I immediately checked out and went to a different ER. 

I received a bill from XXXX XXXX XXXX Hospital on XXXX for {$100.00}, since that was my emergency room co-pay with XXXX after what they contributed, which I promptly paid. That was the end of that. 

At least, until the morning of XXXX/XXXX/15 when I received a call from CMRE Financial Services stating I owed {$130.00}. This was complete news to me as for over 2 1/2 years I heard nothing more about this. 

They informed me that XXXX XXXX XXXX XXXX XXXX sold them my case back on XXXX/XXXX/13. That they 've sent notices to XXXX of my addresses and interest had been accumulating on it. 

Instantly a red flag was raised because both addresses they told me were obviously wrong. XXXX XXXX XXXX Hospital always had my right address and that 's where the doctors would pull it from. So why would they have been provided XXXX incorrect addresses? 

And why would I be charged interest on an illegitimate charge I was never notified of? This is literally illegal. 

The charges were broken down to me as follows : {$300.00} - total charge for exam {$100.00} - night fee charge {$400.00} - total {$290.00} - XXXX paid {$100.00} - my balance {$25.00} - by % 10 of interest {$130.00} - total I oweRed flag number 2 goes up. If my emergency room co-pay is only {$100.00}, why did XXXX charge me more? Also, why did n't XXXX send me an itemized statement of what they contributed like they did for all my other treatments? 

Red flag number 3 : the tests that CMRE said were performed on me never were as the machine was broken and there 's a record of that. 

Red flag number 4 : The hospital always had my phone number, why did CMRE never attempt to call me in 2 1/2 years time? 

Red flag number 5, CMRE had no address or phone number listed for this billing agency. And when I called XXXX XXXX XXXX Hospital, they said they 're not based out of there and there was no way to reach them ( except by a lead on a phone number that does n't seem to be working ). 

Turns out it 's a scam and CMRE was complicit in insurance fraud and bilking me on interest charges on a charge that never existed nor was I notified of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have received several phone calls in from Convergent regarding a debt that they are n't suppose to be collecting upon. This debt was due to ID Fraud. XX/XX/2015 I sent XXXX a FTC Affidavit and a police report which I have attached to this report. I am not responsible for this debt and I would like convergent to stop trying to collect on it and they have also made an inquiry into my credit report which they had absolutely no authorization to do such.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Seneca mortgage in XXXX 2016 that my mortgage was sold to XXXX to be effective XXXX 2016. Later that month I received a letter that it would be effective XXXX 2016. I set up automatic bill pay with XXXX. My mortgage payment of {$2000.00} was deducted from my account by XXXX on XXXX XXXX. Seneca, who no longer owns my loan, also deducted {$2000.00} from my amount. I attempted to contact Seneca customer service. The automatic system said they no longer own my loan and then transferred my call to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (VA).
Issue: Managing the loan or lease

Complaint: Complaint regarding a Retail Installment Contract and Security Agreement dated XXXX/XXXX/XXXX assigned to United Auto Credit XXXX by a Virginia auto dealer named XXXX XXXX XXXX XXXX. The used vehicle secured under that contract, a XXXX Toyota Camry, has not operated since XXXX XXXX, XXXX because of failure of the XXXX Liter, XXXX cycle XXXX XXXX XXXX engine. Total Cash Sale Price : {$7900.00}. I paid {$2000.00} cash down at sale. Financed {$5900.00} under the Retail Installment Contract for 33 months at 24.99 % APR. The dealers XXXX XXXX XXXX as of XXXX/XXXX/XXXX listed Final Loan Value as : {$5200.00}. The current estimate given to make the Toyota Camry fit for use because of the required replacement of the engine is more than {$4000.00}. I have paid all payments due to date to United Auto Credit XXXX under the terms of the Retail Installment Contract. I have maintained full comprehensive auto insurance covering the vehicle, and United Auto Credit XXXX 's security interest in the vehicle, through XXXX XXXX Company. The terms of the Retail Installment Contract state : " Any Holder of this consumer credit contract is subject to all claims and defenses which the Debtor could assert against the Seller of goods or services obtained pursuant hereto or with the proceeds hereof. '' A XXXX XXXX XXXX Bulletin, dated XXXX XXXX, XXXX for the Model XXXX engine, entitled " Engine Oil Consumption '', states, in part : " The piston assembly has been changed to minimize oil consumption. '' The dealership represented at the time of the XXXX/XXXX/XXXX sale that the XXXX engine was " brand new ''. The dealership knew at the time of sale that the piston assembly repairs required in the XXXX XXXX XXXX Bulletin had not been made to the engine. The Seller knowingly misrepresented the condition of the engine component on the Toyota Camry and knowingly misrepresented the value of the security interest in the vehicle for the Retail Installment Contract and Security Agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2016 about Debt collection (Credit card) with Emmett L. Goodman, Jr., LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: yes I have tried several times to settle this mater witht the company as I was paying them insurance in case I lost my job. Instead of the company honoring their end. They are not falsely suing me

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: pay my account to XXXX XX/XX/XXXX and reported my credit it was not paid

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 12/13/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The XXXX of XXXX in XXXX has nothing on record of me owing any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have no knowledge of this debt. I never received a right to dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Since XXXX, I have been denied access to my account information and force to waive my legal rights to apply for a loan modification to default on my mortgage and foreclosure on my home by my lender Wells Fargo Bank. I have repeatedly question information on a marital account, have be denied access, or transferred until I am still denied support. I am told that my name is not on the account and that my wife name is the only name attached, but I have received billing statements that show my name does exist on the account. I have been paying a mortgage for my home, since XXXX. In XXXX, my wife abandoned our marriage and withheld financial information from me concerning our home. Further, I learned that she arbitrarily removed my name of the deed of trust with my knowledge and authorization, however, my name is still attached to the mortgage loan. In a divorce or separation, marital property is XXXX between spouses until a court of law determines who acquires the home in a settlement. The XXXX XXXX XXXX has not render a decision on the matter as the case is pending and I should not be forced out of my home because my wife is using unethical tactics to push me out with the support of Wells Fargo. I should have the opportunity to workout options to keep my home and not be forced into foreclosure when I have legal rights to preserve my home from loo mitigation. Further, I did not receive any warning or notice from Wells Fargo that they were going to conduct a non-judicial foreclosure sale until 4 days before the sale to take place on XXXX. I was suspiciously sent a late notice by my wife by mail, which alerted me that the sale was in a couple of days. This is improper conduct by Wells Fargo. They had an obligation to notify me of options, give me the option to modify the loan before referral to foreclosure and an opportunity to complete a loan modification application. I was denied when I was denied access to obtain the documents and information needed to complete the loan modification application and to consider my options.

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 04-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My XXXX complaint is regarding the information reported on my credit report. In 2009 I received medical treatment at a hospital. The hospital failed to update my home address and never sent a bill to me. The original dispute is regarding not receiving a statement. Once I discovered this on my credit report I immediately contacted the hospital. They told me that by paying the balance they would remove it from my credit report. The company XXXX XXXX XXXX. has never removed it from my credit report. I filed a dispute with Transunion. I have XXXX complaints regarding my dispute. The XXXX complaint it required me to sign up to file a complaint because I needed a report number. You can not get a report number unless you have your credit report which is a monthly membership. I cancelled the membership after filing the complaint and then they still charged me for it. I believe this is deceptive. My XXXX complaint is they do not have enough space to explain the dispute. There response was simply verified. They did not speak to me or verify anything as I could not explain to them what happened. I had very good insurance at the time that typically paid all of my medical bills. The difference they claim never was sent to me. They also never contacted me and the doctor had my cell phone number along with the office. No one calls me but reports it on my credit. Then Transunion does nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Iron Capital Group (NJ).
Issue: Getting a line of credit

Complaint: Iron Capital Group advertises that you can get a credit line to start your business, all you need is a FICO score of XXXX. I spoke to a salesperson " XXXX '' he explained everything verbally, as it is explained on their website. I was instructed to sign up with XXXX XXXX XXXX, ( a credit monitoring service ) and supply Iron Cap my username and password. Even though my FICO score is XXXX, they said I was being denied because of a few derogatory items on my report. Even though these items have been paid, Iron Cap says they wont be able to fund me. Before I gave them my social security number, they confirmed that they were only concerned with FICO. After I contacted them stating I didnt see the unpaid items on my credit, and that I need more explanation or I would be forced to report them. The director contacted me stating that they meant to change terms on website, and they would n't be able to change for a few weeks, asking me to wait until they had a chance to change the site before I contacted Consumer Affairs. He said there may be other loans that I qualify for but they were unfavorable. He also didnt offer any info on any loans that I qualify for. I believe this company doesnt want to fund XXXX XXXX Business. There are no traces of minorities on website, and I bet they have never funded any.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Please see below, the message I attempted to send to Ditech, but which, of course, the website bounced, and did n't accept : It 's unclear whether ditech is incompetent or fraudulent, but either XXXX is XXXX unacceptable. 

Due to absolutely incomprehensible and irregular statements received from ditech over the past month, showing numerous errors, fraudulent fees, missing funds, and an INCREASING Principal Balance, I 've spent over 8 hours doing my best at forensic accounting and have found that ditech has lost or stolen {$1200.00} of the money I 've remitted between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 

Errors include but are not limited to : 1. The site 's Payment History shows receiving a payment of {$800.00} on XXXX/XXXX/XXXX, but the XXXX/XXXX/XXXX Statement does not reflect a payment. 
2. A Late Fee was applied for the payment you lost on the XXXX statement 3. You applied {$740.00} to Principal in XXXX, when you should have applied {$260.00}. It looks like you tried to fix it in XXXX, but made a {$14.00} error in your favor. Convenient. 
4. Then in XXXX, when you tried to fix it, you did n't apply the Principal Due ( that I paid ) of {$260.00}. Where did that go? 
5. Since XXXX/XXXX/XXXX, I 've remitted {$1600.00} over the minimum payment due, and you have applied only {$610.00} of that overage to Principal. Yet the most recent Statement I 've received ( XXXX/XXXX/XXXX ) shows NO Funds in Suspense. Where is my money? 

To top it all off, on XXXX XXXX, XXXX, I received a letter on ditech letterhead stating that MY ACCOUNT HAD BEEN REFERRED TO A DEBT COLLECTOR. 

Fix. This. Now. 
And call me. 
XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Google Compare Credit Cards Inc. (PA).
Issue: Other transaction problem

Complaint: I have been Complaining about a refund from google for over a year. I and my bank have tried to resolve this issue. My bank has wrote letters to them, talked to them over the phone, I have been emailing them, filed disputes with my bank and contacted state agencies. I was told that google sent my payment to XXXX XXXX XXXX and to XXXX XXXX from google.I have been calling them and waiting for reply but have been having issues recovering my refund. I have tried everything to get them to give me my money back as well has my bank XXXX. I have several case numbers and they keep giving me different statements. I keep getting new agents so I have been passed around to so many agents and I am getting upset at this situation. I am asking that they send my money back to me as they told state agencies that they gave me a refund when they told false information.At this point in time I feel they are doing this so they do not have to pay me my money back from these fraud charges. My bank showed them proof that nothing ever came to me and I keep getting excuses as to they already sent a refund, they never sent a refund and get passed around to agents. I will attach the information I sent to them in this dispute.
<P/><P/>
Google case number XXXX. Email used for contact is XXXX.
<P/>
Dear Sir or Madam : I am writing to dispute a billing error in the amount of [ {$1400.00} on my account. The amount is inaccurate because the money was reversed by google when in fact Google was to issue a refund in the amount of XXXX.I am also requesting proof of any payments sent from your company, And transactions that was paid to the right bank.
<P/>
I have attempted to get a refund through your customer service department and have sent letters from my bank, my bank statements, and reversals that google made from my bank.
However, after a year I have still not received a refund of the {$1400.00}.
I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement after the payment has been resolved.
<P/>
.I look forward to your reply and a resolution to my problem.
To resolve the problem, I would appreciate you refund my money that was stolen from my bank.
Please investigate this matter and correct the billing error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I submitted correspondence by certified mail to XXXX XXXX because of suspected fraudulent activity by the bank. I have delivery confirmation from USPS that XXXX XXXX received the letter. They have refused to address my concerns by remaining silent and have continued to seek payment. I have revoked my signature on the application as a result of un-rebuttal about the matter concerning the fraud. Attached you will find an unsigned copy of the letter I submitted to XXXX XXXX on XX/XX/XXXX. Additionally I have submitted a sworn under oath, affidavit on XX/XX/XXXX, with delivery confirmation and PROOF outlining the fraud and revocation of my signature from the original application as the law permits under fraudulent acts. XXXX XXXX has continued to remain silent about addressing the bank fraud. As a result this account is null and void. Further credit reporting is in violation of the Fair Credit Reporting Act and all parties responsible being XXXX XXXX and XXXX, Equifax, XXXX, and XXXX will risk a lawsuit with the state and federal courts for damages of this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had tax lien on my report, and it has been taken care of, have a release form and also the court has in on file. I want to know where do I mail it to? so it can be clear from my credit report, I can not find any phone number or address on website.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: Santander Bank is advertising " Purchase Assurance ( XXXX ) -- Insures you for 90 days from the date of purchase for theft, damage or loss up to {$1000.00} '' as a feature of the XXXX debit card. However, they do not actually offer the service. When I went to file a claim they did n't know about the service at first. Then when they did they directed me to XXXX. XXXX said Santander did not buy the insurance policy necessary for them to offer this service. 
The Purchase assurance is advertised in hardcopy material provided when I opened my account as well as throughout their website, including at : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Allied Collections has been reporting inaccurate account information for years. The original outstanding amount was {$50.00}. Allied Collections has reported the collection amount of {$160.00}. In addition, I was not aware that I had an outstanding account bc I have n't received any notice of this amount being owed. Contacted the original service provider, XXXX on XX/XX/2015. Spoke with XXXX in the billing department. She informed me that the balance due was {$50.00} not {$160.00} which was paid in full. Two weeks earlier, Allied Collections, I provided my credit card information to pay the balance of {$160.00}. The account specialist was to email me a receipt which I never received. Not maintaining appropriate account information appears to be habitual in this industry. I would like a refund in the amount of {$160.00} in addition to all negative remarks and removal of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: MY ATTORNEY RECOMMEND THAT CAPITAL ONE BANK DO A CREDIT ACCOUNT REVIEW ON XXXX ONLY! AUDIT TRAILS AND PROFILE DATA IN CORRECTLY MATCHING CAPITAL ONE INFO. 

WHEN APPLIED FOR THE 2 CARDS THEY PULLED A 4-1 ON ALL 4 BUREAUS.

Company response to consumer: Closed with explanation