milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2016 about Debt collection (Medical) with Mendelson Law Firm (MS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a letter stating that I would be sued for an outstanding balance on a hospital bill in XXXX of 2016. The number to the Mendelson Law Firm was listed as a contact to set up payments before the said court date and I have been making monthly payments with this firm since XXXX of 2016. My issue is that there have been several inconsistencies regarding my account and when I ask questions for clarity, the staff just give me the run around and are extremely rude. Every time that I call the firm to make a payment, they always ask me for my routing number, my bank account number, my social security number, and they even went so far as to ask who I am banking with. As debt collectors, that is a violation of the FDCPA and I am aware of my rights. I do not understand why such personal, sensitive information is required just to make a payment on a hospital bill. When I ask them to explain to me why it is necessary for them to have this information, they put me on hold for prolonged periods of time and the responses are vague and rude. They wo n't allow me to speak with anyone else other than this rude rep who goes by XXXX with no last name, which I find highly suspicious. They will not send me confirmation receipts of my monthly payments anymore. When I ask, they tell me that they will send it out within 7-10 business days and I never receive anything. The balance is listed on my credit report so I called the number provided under the account and the rep said that no one is listed to collect the debt except for them. This really makes me think that this Law firm/debt collector is fake and I do n't feel comfortable paying them another penny and I wo n't. I know that the debt is real. I just do n't believe that Mendelson Law Firm is supposed to be collecting on it. They have a rating of XXXX stars out of XXXX on every site I have researched them on and they are not an accredited business. This needs to be investigated. I 'm afraid that they will drain my personal account dry if I do n't continue to make the payments. I feel extremely helpless. There is no way that I owe two companies for payment on the exact same hospital bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 submitted an investigation for a dispute on my TransUnion and XXXX  credit reports. last month XXXX XXXX XXXX and there was no change. I disputed the following items : Disputed XXXX  Items - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *These inquiries BELONG on my XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed TransUnion Items - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *These inquiries BELONG on my TransUnion credit report : XXXX XXXX XXXX XXXX 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
Consumer complaint received 06/23/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Trouble during payment process

Complaint: Nationstar Mortgage has refused to take my mortgage payments for several months and now they claim I am in foreclosure due to non payment but THEY have refused to take the payments. I have been making payments every month on time for several years and now suddenly they just refuse to accept my payments and started the foreclosure process. This is an investment property and they also have taken another investment property by means of dishonest tactics, claiming that the home was abandoned ; they twice sent a servicing company to break into the home and changed the locks and winterized it and caused damage to my home even though I was current with my mortgage payments. The second time the servicing company caused a lot more damage, I was in the process of doing some upgrades to the home and had installed a new water heater, stove, did remodeling and renovations but the servicing company pressurized the water line to the point that it ruptured the main water line and flooded the home and damaged the seals on the water heater. I had run out of funds to repair the damage that they caused so I decided to not continue making any payments due to their persistence on taking the home away from me. At the time I had a prospective tenant that wanted to move into the home but I did n't have the funds to continue fixing the damages caused by their servicing company so I decided to put the house up for sale but could not find any buyers due to the damage caused by NationStar 's servicing company. My other investment home located in XXXX, NV has quite a bit of equity and this is the home they refuse to take my payments and they want an outrageous amount of money to take it out of foreclosure due to their fraudulent tactics and refusal to accept my payments. They need to be investigated and taken out of business, both homes originated with XXXX XXXX XXXX loans and XXXX sold the loans to NationStar. They have been nothing but negligent in working with me. It is to their advantage to foreclose as they will gain financially.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Someone offered to pay my car note for me, but he paid for it online.He obtained my car account number.now he is threatening to use the my information such as name, address, birthday, etc to get another driver license and get credit in my name.I trying to prevent this from happening.I am working on getting my credit score up and I do n't need anything negative to affect it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Discover Bank. 
I was double charged on my first student loan payment ( I am already paying them 35 % of my monthly income ). Customer service seemed confused and insisted that they could not help me and that I needed to work with my bank that the double charge was being pulled from. I am already financially thinned out because Discover does not deal in income based repayment plans, and I am now at risk of having a " Late '' status on my account due to their mistakes. This may reduce my chances of refinancing elsewhere. 
Customer service needs to read the notes on the account prior to trying to understand the situation and further confuse the customer. XXXX of the XXXX agents I spoke to was rude and demeaning. Wasted my time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (KY).
Issue: Trouble during payment process

Complaint: I have a mortgage loan with Pacific Union Financial LLC. This was a VA loan that I closed on in XX/XX/XXXX. I called XXXX XXXX customer service that following year in XX/XX/XXXX to ask them to increase my escrow amount given that the first years taxes were on my land value only and did not include my improvements ( my property ). I had an estimated bill from my county that showed the new escrow amount but they would not allow the increase. I then asked if I could send them extra funds so that there would be a sufficietn amount in escrow to pay taxes at which time they stated that any extra money would be applied to principal only. Given this outcome, I was forced to wait until XXXX XXXX paid my taxes at which time my account is now in the negative {$3000.00}. 

On XX/XX/XXXX I recieved an escrow analysis detailing this event and was given two options : 1. Do nothing and my mortgage increases to {$2700.00} from {$1900.00} and 2. Pay {$5500.00} and my mortgage payment increases to {$2300.00}. The problem with either scenario is that XXXX XXXX is requesting I overfund my account by over {$2500.00} dollars ; money in which they will have to return to me within 30 days according to 12 CFR 1024.17 ( f ). I called XXXX XXXX on two occasions to ask for a reanalysis and on my second call I spoke with a supervisor XXXX ID # XXXX. XXXX informed me that she understood the law but stated that it is XXXX XXXX 's proceedures to have a " cushion. '' I again explained that it is against the law for them to keep a surplus amount above the amount for my taxes and insurance needs and need the mortgage amount changed. XXXX explained that this could not happen. I then asked XXXX what would happen if I paid the {$3000.00} decficit then paid {$2300.00} and she stated that would be a partial payment and my account would be in default. Please note, my principal and interest payment is only {$1800.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Bank of America credit card has failed to uphold its commitment to protect its users against fraudulent merchants. 

Back in XXXX, XXXX, a fraudulent charge of {$220.00} was made by a XXXX called XXXX. I disputed it and its been 6 months now and Bank of America has done nothing. I have tried to follow up. Nothing. I did not receive any confirmation of my dispute and no formal notice of conclusion, even though they had once claimed the dispute was still being processes. 

Today again, I tried calling again and gave up after XXXX minutes on hold. I need my {$220.00} back from this fraudulent XXXX and Bank of America has failed to protect its users. Im closing down my Bank of America card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (I do not know) with Bryant, Hodge & Associates LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX I started receiving debt collection notices regarding cell phone bills in my name. After I looked into it I found out someone was using my personal information to get phone service in my name. I contacted the phone companies and they agreed I was not responsible for the debt. 
In XX/XX/XXXX I started getting calls from debt collection agencies trying to collect the debt I was not responsible for. I asked these debt collectors to send me a debt validation letter, they never did. I disconnected my home-line due to all the collection calls I was getting but they still call my cell number sometimes several times a day. The most aggressive debt collectors that contacted me are XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX, and XXXX. 
After more than 4 years of this abuse from debt collectors I want to file a complaint and hopefully put a stop to it.

Company response to consumer: Untimely response
Consumer complaint received 11/15/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Specialized Loan Servicing ( SLS ) claims it did not review my updated profit & loss statement that was submitted during the modification review process because it was signed electronically. 
SLS acknowledged in letters to me dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, they received my updated profit & loss statement on XXXX XXXX, XXXX and it expires on XXXX XXXX, XXXX. 
SLS never contacted by email, phone or in writing that there was any concern with the profit & loss statement. I contacted SLS and talked to their representatives through out the loan modification process many times and was never informed of any concerns about my updated profit & loss statement that was in their possession. 
Moreover, In the State of New Jersey - NJ Rev Stat 12A:12-7 ( XXXX ) - Legal effect and enforceability. A record or signature may not be denied legal effect or enforceability solely because it is in electronic form. A contract may not be denied legal effect or enforceability solely because an electronic record was used in its formation. If a law requires a record to be in writing, an electronic record satisfies the law. If a law requires a signature, an electronic signature satisfies the law.

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 10-02-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: They have cashed all payments and apply to other accounts where I 'm not the co-signer

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I opened checking account using promo code that I got in the mail. I opened checking account with citi and completed all the requirements from the promo to receive the XXXX thank you points. Please see included screenshots for the conversation and confirmation from Citi. Citibank does n't want to honor the bonus saying that I was n't targeted.

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 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I requested a withdrawal by check and it was to be sent to me with my name as the payee. I have not received the check. The check was made on XX/XX/XXXX in the amount of {$100.00}. Transaction ID XXXX. 

On XX/XX/XXXX, I spoke with XXXX at American Express. XXXX. I requested a stop payment of the check. XXXX told me that an investigation would need to occur that would take 10 days. I told her that I wanted to file a dispute and was told that an investigation needed to occur. I told XXXX that an investigation was not necessary as the check was made out to me, sent to my address, and that I did not receive it. Absolutely, nothing but it will at least take 10 days for the investigation and another 10 days to appear in my account. 

I can not get through to these people, that this is not how it should work. It is purely unethical how they hold onto funds. 

This company is purely unethical. Because their agreement states that they can hold funds for 7 days+, they do. 

Another example of unethical business is XX/XX/XXXX I made a return to XXXX XXXX in the amount of {$180.00}. The transaction appeared on my XXXX statement XX/XX/XXXX ; however the funds were not available on XX/XX/XXXX. I called and asked and they told me that they needed to do an investigation. I requested what the investigation was as I was concerned that perhaps my information had been hacked. Then I was told that my cardholder agreement states that they can hold onto the return funds and they did for 10 days. Although it " appears on my card '' as a transaction of XX/XX/XXXX, it was actually 10 days letter before the funds were available. 

This company is sitting on consumer 's money for their profit. The money is making interest for American Express not the consumer. Very unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I learned of this debt while pulling my credit report. I never recieved a letter to verify this debt. I contacted this company telling them I did n't remember or know of when I could have had a XXXX dollar hospital bill and I would like proof of this debt they informed me they could not do this and proof was up to me not them. I then told them I did n't believe this was a correct debt but I would settle to get this resolved and I agreed to XXXX if they would send me a letter stating our agreement and they refuse to do so. They want me to blindly pay XXXX dollars to settle an account that I do n't even believe to be mine without any proof of this agreement.

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 02-02-2018 about Payday loan, title loan, or personal loan (Installment loan) with Braviant Holdings, LLC (CA).
Issue: Struggling to pay your loan

Complaint: Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX   '' and I, informed XXXX XXXX  of our finicial hardship. We ask XXXX XXXX  to work with us and informed iloan of our goal to avoid Chapter XXXX   bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need XXXX XXXX  to work out new repayment terms. We were unable to to Pay the Current excessive interest rate of 128 % on our loan and we were unable to Pay current excessive twice a month payment of {$270.00}, which equals {$540.00} monthly payment on a {$5000.00} loan Loan # XXXX I also let XXXX XXXX  know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX  i ask why my interest rate was set sooo high.

I am Veteran in process of becoming a XXXX  Veteran.

XXXX XXXX  has also threatened to sue me and refused to work with me.

I have not recieved a default letter by mail nor e-mail XXXX XXXX  refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms.

XXXX XXXX is refusing to work out an affordable repayment plan so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments.

I feel taken advantage of by XXXX XXXX XXXX lending practices I feel iloan took advantage of a Veteran who had a credit score of XXXX, I was provided an excessive interest rates and with excessive montly payments of {$540.00} on a {$5000.00} loan.

I was never sent a default letter my email nor by mail, XXXX XXXX  is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.

After reaching out to XXXX XXXX, they stated they were unable to work out a repayment plan.They also stated the current terms of my loan were fair.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Trouble during payment process

Complaint: Back in XX/XX/XXXX, my husband and I got in touch with Chase Bank via telephone to inquire and see if we would be eligible to cancel our private mortgage insurance. When we initially signed our loan documents with our mortgage lender back on XX/XX/XXXX, the terms of the loan were that we had the right to request the PMI be canceled once the principal balance reaches 80 % of the original value of the property ( please see attached document labeled PMI ). With the updates we have done on our home and the market in our area, we believed we would be in a good position to reach that 80 %. <P/>Thus we contacted Chase to start this process. We are in good standing with our loan in that there has never been a late payment and each month we pay an additional {$180.00} to our principal balance. On XX/XX/XXXX, Chase sent us a document outlining how we start the process of requesting to cancel our PMI ( please see attached document labeled Chase page 1 ). The first step in the process was to request a broker price opinion, which is what we did. On XX/XX/XXXX, Chase sent us a document stating they received the signed BPO request form and ordered the BPO. A few days later we heard from the third party BPO agent, and the BPO was conducted on Monday, XX/XX/XXXX. <P/>On XX/XX/XXXX, we received a letter from Chase stating they can not cancel our PMI because our loan-to-value ( LTV ) ratio for this loan must be 75 % or below to cancel our PMI based on the current or newly appraised value of the property ( please see attached Chase document page 3 ).  They stated that currently our LTV ratio is 78.57 %. They advised that to meet this new 75 % LTV requirement, we would need to pay down the principal to {$290000.00}. The amount we would owe is approximately {$14000.00}, and this is not something my husband and I are financially able to commit to right now. <P/>After receiving this letter, I contacted Chase to see if there was any documentation I signed agreeing to these new loan terms regarding the 75 % LTV ratio. Chase did not have anything on file. The only documents they had on file regarding our PMI agreement, is the original document we signed back on XX/XX/XXXX ( attached PMI document ) stating that we were held to the 80 % LTV ratio. <P/>I am filing this complaint because I feel like we have been faithful in our payments, and we have met the terms on our loan making us eligible to cancel our PMI by meeting the 80 % LTV requirement. We are currently at 78.57 %. I am happy to answer any questions or elaborate on any of these points. Thank you very much for your time and I appreciate your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (WI).
Issue: Managing the loan or lease

Complaint: Santander has completed an illegal repossession and sale in Illinois The lender is required to send a notice of repossession and sale and no notifications were sent so it is an illegal repossession

Company response to consumer: Closed with explanation