milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My family and I had been going to a dentist for several years, always paying the balance of what our insurance did n't. On our last visit, our child had a XXXX put in. I live almost an hour away and was told that it was really precautionary measure to avoid XXXX and she would not charge because of it being so small. Well, it came out 2 weeks later, and also this dentist had been constantly XXXX which caused me to XXXX and cause XXXX. Finally, I became accustomed to it. I decided to find another dentist for our family because the XXXX would come out after a year and she would recharge us to fix them. The new dentist office called our old dentist to get our records and they were told that they did n't know us. Finally, they sent them. I started getting text bills and ugly phone calls saying we owed {$130.00}, at this time, we had n't received a paper bill, just text messages started coming, and are being harassed by collection agency They are stating that we owe {$130.00} XXXX on XXXX/XXXX/XXXX. The phone calls are coming after XXXX. I wrote a check for {$27.00} for XXXX that day which I was told was all I owed. Now I see we were charged XXXX. The collection agency said tonight that we owe XXXX. 

I took my dentist bills out and when I look at our insurance acct, it states I should only owe {$61.00} and it was filed so much later than the cleaning and it all happened on the same day yet no bill. I did n't know what to do and I did not want to pay the {$130.00} because two weeks later, filling had come out. I notified our insurance company and they stated they had received a bill for this filling in the amount of {$170.00}. They paid {$47.00} and our dental plan gave us a {$66.00} discount for being in network. We did owe {$61.00} since she decided to charge for this XXXX work which she did n't let me know about until she turned me over to collection. Insurance paid on XXXX/XXXX/XXXX and they cashed XXXX/XXXX/XXXX, remember this all took place on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I took a check to this dentist. She said she would stop the calls, well today is XXXX/XXXX/XXXX, husband still getting calls on his job. Bill is paid. What do I do? 

All of this came from our family leaving her dental care. When our time comes to visit our new dentist, he may have to re-fill this due to her lack of doing the procedure correctly. That is why we left, her filling would not stay in and she kept double charging us, over and over again using cheap materials.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: attempting to collect on a debt that is 7+ years old and is not reported on any of the XXXX credit reporting agencies reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My credit age on my credit reports are showing that my average age is XXXX and XXXX. My first student loan was XXXX - XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Student loans are a part of credit age.

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 11-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Attached with this complaint there will be a letter of complaint, modification proposal documents, mortgage payoff statement, QWR letter that was sent to Nationstar, QWR documents sent to Nationstar, Nationstar response and envelope, QWR letter XXXX, and QWR documents to be sent XXXX. 
In brief I have been dealing with this mortgage matter for over 6 years. Due to stage XXXX XXXX that was diagnosed in XXXX 2007 that require XXXX treatment. Because I could n't work for a year I was encountering financial hardship. Due to the advertising on behalf of banks XXXX I inquired on the possibilities of getting a modification. I was at the time accepted by XXXX XXXX XXXX to enter into the process based on financial information and hardship letter. additionally, XXXX XXXX XXXX stated repeatedly " There is no reason the bank should n't give you a modification, your the poster child for the program and reason it was formed ''. From the onset and hence forward I have encountered deceptive lies, intimidation, and abusive unethical trade practices and getting the runaround on behalf of XXXX Nationstar Mortgage. I spent 2 years 4 months in the mortgage modification process, and basically another 3 years 10 months in the legal system. I was illegally foreclosed on, and therefore subjected to the illegal foreclosure mill process. Where the is evidence of robo signing, illegal assignments, transfers and double tracking. I 've been through and FED eviction trial and have had to file for an appeal. The case is now in the Oregon Court XXXX. At some point the foreclosure was rescinded and am now being a modification with excessive, advances and expenses. 
I would greatly appreciate your help with this matter in determining the truth, ownership and history of my loan and a just resolution to all the pain and suffering that has affected my career, physical, mental, spiritual, and financial wellbeing beyond any level of comprehension.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I had an FHA home loan with PHH Mortgage Company until XXXX XXXX, 2016. On XXXX XXXX, 2016, a corporate relocation company acquired my home to eventually settle on the house with private buyers. Therefore, I was not required to make a XXXX mortgage payment. I cancelled my automatic draft online at XXXX ( PHH Mortgage Company ) on XXXX XXXX, 2016 ( Sunday ) but their system took 4 days to load, and I could not call anyone to confirm since they are not open on Sundays. My XXXX mortgage payment automatically drafted {$1800.00} ( and change ) from account. On XXXX XXXX, 2016 I contact PHH mortgage to request a refund because the relocation company paid the XXXX mortgage and has confirmation of doing so. I faxed a formal request that same day and was told I would receive the refund in XXXX10 business days. On XXXX XXXX, 2016 I called back asking for the status since I had not been refunded. I was told that they had send a check in the mail, but that they would contact their cash management group to re-send a check. I was told to call back the next day to ensure this happened. When I called, I was told that I might not be able to receive a refund because my account would become delinquent, and was asked to call back a week later. Finally, after 6 calls, and over 3 hours either on hold or talking with a customer service rep, I was directed to a supervisor. On XXXX XXXX, the supervisor informed me that I can not receive a refund because then my account will become delinquent and will show negatively on my credit report. I explained to them that they have been double paid for XXXX, because the relocation company also has record of paying XXXX 's mortgage payment since they now own the home. It is XXXX XXXX, and they still have not issued me a refund for the overpayment in XXXX, and I was directly misinformed by XXXX of their customer service reps telling me that they had already issued payment to me earlier in XXXX, which I confirmed later on was not true. I also submitted my refund request on XXXX XXXX, 2016 and it took them until XXXX XXXX to review and advise me that they will not refund my {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (SC).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Sage Stream, LLC ( who ar e they??? ) has reported a score with an almost  XXXX  point disparity from other CRA 's. I want my report to see that they are reporting and I can not do this because I WILL NOT submit hard copies of the personal protected information they are requiring. I WILL NOT submit my social security card, birth certificate, driver 's license, etc.. to anyone, much less a company I have never heard of until a couple of days ago. So because I wo n't comply, I can not get my credit report to verify the accurateness of items being reported. Catch  22 and the winner is SageStream.   <P/> ****Why is the CFPB allowing a company to require that kind of information? I thought your role was to look out for the consumer. All other CRA 's have online requests and verify your info through your past credit experiences and then you 're able to download a P DF. **** This  practice is unacceptable and someone needs to figure out why I have  XXXX  point disparity in my scores.  <P/> Who are they accountable to? They need to be made to answer as to why 100 % of their scores are significantly lower than ALL other CRA 's.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 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 status incorrect

Complaint: Immediately following my successful Chapter XXXX discharge, I wrote a letter and provided a hard copy of my chapter XXXX information. This information included, Discharge Letter, Final Cure of my XXXX XXXX XXXX  Debt, all creditors that had and had not responded to the trustee at the meeting of creditors. All three credit reporting agencies received this document in XXXX 2017, however when I attempt to apply for credit the main reason for denial is " SERIOUS DELINQUENCY ON ACCOUNTS ''. The other issues are because of too many inquiries ( Which is correct ) and derogatory public information. ( Chapter XXXX discharge is also correct. ) XXXX XXXX XXXX XXXX is still not being reported on any of my credit reports and they have also been contacted by mail, email and phone. I have been making on time payments to this company and continue to make payments. Looking at the denial letter and going to the credit reporting agencies does not give me the information that is showing the reason for denial. There is NO DELINQUENT ACCOUNT information for me to view or dispute. But I am being dinged for this very reason.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX my loan was transferred from Roundpoint to XXXX Mortgage. I had not received a statement from XXXX Mortgage at the time my payment was due, but I received a statement from Roundpoint. I made a payment on XXXX XXXX to Roundpoint, which was cashed on XXXX XXXX XXXX, I revived a statement from XXXX Mortgage. I was told that Rounpoint would not cash my check since they no longer owned my loan. I sent another check to XXXX Mortgage on XXXX/XXXX/16 which was withdrawn on XXXX/XXXX/2016. 
I called Roundpoint and the agents were unable to find my payment. I was asked to forward a copy of the cashed check and they would investigate and send me a refund. After numerous calls and emails I have not received a refund or a response on the status of my request for the excess payment refund. I have confirmation emails that my emails were received.

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 08/28/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015, at XXXX I attempted to deposit {$550.00} cash into the ATM located outside of the Chase Bank in XXXX, NY. The money was drawn into the ATM in exchange for a receipt stating " The ATM has experienced a technical problem. To confirm that your deposit was completed properly, contact a Chase Representative... '' I immediately thereafter went into the bank and spoke with XXXX XXXX. I was provided a Claim Number and told to follow up in three weeks. On XXXX XXXX, 2015, I returned to the bank and spoke with " XXXX '' and was told that my claim had been denied. XXXX left to get the Bank Manager ( XXXX XXXX XXXX and I was once again asked to followup ; however XXXX stated it was " doubtful '' that I would ever receive my money because so much time had passed. My attorney contacted XXXX XXXX and XXXX XXXX indicated that I needed to submit a complaint through the Dispute Department at Chase - something I was never told on two separate occasions of trying to resolve this in person. I have attempted a resolution by way of my personal attorney but neither of us has received any response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with International Computer Systems, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The XXXX time they called, I was told I could make monthly payments on an outstanding bill. The lady was polite. She asked me when I could make a payment. I told her it would be the XXXX of XXXX when I could make the XXXX payment. I sent the payment. Since then they have called repeatedly every day. I have answered a XXXX of times but the caller would just hang up or I would just hear music. They use several different numbers to call. I have gotten to the point where I will not answer these calls. It is annoying and harassing because I am set up on a monthly payment plan and they need to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : Chase account XXXX XXXX  To Whom It May Concern : I dispute the validity of Chase account XXXX. I request a investigation be opened for this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: In  XXXX     2016, we were having trouble making payments on our loan from Specialized Loan Servicing as  the payment went up by a {$1000.00}. Our monthly payment went up from  XXXX  to  XXXX . We requested a loan modification and were finally approved in  XXXX     2016  after months of being given the runaround. Once we were approved for a loan modification we did 3 months of trial payments for about  XXXX . Once we got the official agreement, the payment went to {$2700.00}. Basically, we are back at where we started and ca n't afford that payment. Their customer service tends to be rude.  XXXX   XXXX  sold our loan to SLS and ever since then we have had a lot of problems. I feel like they tricked us and gave us temporary relief with the trial payments we could afford and then when it was time to make if official the payment went way up again. How does this even make sense. We are very frustrated with the process and not sure what approach to take next.

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 12-11-2017 about Debt collection (I do not know) with Jana Ferrell & Associates LLC (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, OK XXXX Phone : ( XXXX ) XXXX-XXXX claims that I owe a debt to XXXX XXXX XXXX XXXX. 

I have no knowledge of this debt, I have sent numerous letters to XXXX XXXX XXXX XXXX and they have all been returned. I have disputed it with XXXX numerous times and XXXX refuses to remove this XXXX from my credit report! WHY?! It IS NOT mine and the debt collector refuses to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Credit card) with Client Services, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling my employment and i have asked them to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : INQUIRIES XXXX XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized

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 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This letter is being sent to you in response to a listing on my credit report from CREDIT CHECK TOTAL. Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( Sec. XXXX ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from CREDIT CHECK TOTAL. 
For the purposes of XXXX this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

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 06-11-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I closed my home equity line a month ago. I went to the local branch in XXXX XXXX Florida and signed all the papers to close the loan and paid it off at that time. There was certainly no issue to cash my check. Bank of America is now send letters to me and threatening to charge me {$1000.00} for flood insurance on a loan I no longer have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identify theft. A person has tried twice to open a   XXXX   XXXX    credit card once in  XXXX  2017 and another in   XXXX   2017. Both times   XXXX   contacted me and we had calls with   XXXX   XXXX   and identified as fraudulent.   XXXX   XXXX   stopped the issuance of credit in both instances. They also removed the hard inquires on my credit reports for  XXXX  2017, but for  XXXX  2017 they missed Equifax. I have written twice to   XXXX     XXXX   XXXX   fraud department explaining about the fraud and they missed the hard inquiry with Equifax and both times they keep sending the same letter about three kinds of inquires. Pre-screening inquires, Account management inquires, and Standard inquires. Nothing to do with my issue. They are not bothering to read my letters. Because of this hard inquire it can lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continue to call my home phone I have no debt. Phone # that comes up is XXXX

Company response to consumer: Closed with explanation