milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2017 about Debt collection (Medical debt) with Bull City Financial Solutions, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I visited XXXX XXXX XXXX on XXXX/XXXX/XXXX and paid my co-pay at the time of service ( see attachment ). It was {$50.00} for a specialist visit and that is not in dispute. This was not submitted to my insurance company by them until the following year in XXXX of XXXX. In the meantime XXXX XXXX XXXX provider ) changed entity names and billing systems at the end of the calendar year XXXX ( or so I was told by their representative ). My employer based insurance changed to XXXX in mid XXXX XXXX when my employment ended. There is no dispute with the insurance carrier XXXX XXXX XXXX 
I was billed again for the same visit in XXXX XXXX which I mistakenly paid, then realized my error when my Explanation of Benefits ( EOB ) did not add up to XXXX XXXX billing. They continued billing me the {$50.00} charge for this service date until I contacted them in XXXX ( see attachment ) and explained I had paid this twice and it was not being correctly applied. Eventually in XXXX XXXX they found the payment had been misapplied and ultimately credited me the {$50.00} owed back. I thought this issue was resolved. 
Then yesterday I receive a Credit Collectors notice ( see attachment ) for payment of this same bill for that service date. I have contacted XXXX XXXX again today and they said it was misapplied and would attempt to correct their records. I have no faith in their ability to resolve this without monitoring/enforcement by appropriate agencies such as CFPB. This has resulted in me spending many hours to resolve their billing problem and no assurance it really is resolved. I 've requested a detailed billing from them on payments/bills from the XXXX qtr of XXXX through XXXX qtr of XXXX. But I had done this before earlier this year evidently to no avail. Please follow up with them to help me resolve this issue completely. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX, XXXX agent foreclosed on my house. After the completed foreclosure sale, the substitute trustee executed a trustee 's deed to the XXXX XXXX XXXX XXXX XXXX. XXXX filed an eviction suit and was awarded Judgment of Possession. 

On XXXX XXXX, XXXX, I filed a lawsuit to stop a post-foreclosure wrongful eviction. This lawsuit XXXX is currently pending in the XXXX XXXX XXXX XXXX XXXX because the Defendants ( XXXX and XXXX XXXX XXXX ) was granted leave to file an answer to the complaint more than two years late. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX filed a late answer to the lawsuit and included the following affirmative defense : XXXX. Should Plaintiff be awarded any damages, Defendants are entitled to offset and recoupment in the amount the funds due and owing at the time of the foreclosure sale plus reasonable market value rent from the date of foreclosure until the service release of the loan to non-party Nationstar Mortgage , LLC. 

As per the aforementioned defense, Nationstar 's predecessor, XXXX XXXX XXXX, is asking for rent after the foreclosure sale on XXXX XXXX, XXXX in their answer. However, Nationstar contends I owe them more than {$110000.00} for the same loan their predecessor foreclosed on. I have not executed any loan agreements to XXXX XXXX XXXX or Nationtstar since the foreclosure sale on XXXX XXXX, XXXX. 

Nationstar is reporting this fraudulent, incorrect, and false information to a third party, the credit bureaus XXXX XXXX XXXX XXXX is claiming the house was foreclosed and they are seeking rent post foreclosure. 

Nationstar is claiming I contractually owe them from XXXX XXXX. 

To add on, Nationstar is reporting to XXXX that the loan is a contested foreclosure. 

Nationstar is reporting contradictory and false information to XXXX the credit bureaus, and me. 

Nationstar has not been able to validate their debt collection activity. 

XXXX XXXX XXXX and Nationstar are colluding and harassing me to collect a loan that was satisfied from foreclosure proceeds four years ago. 

I will be filing this complaint with the XXXX, XXXX XXXX XXXX XXXX ; since my loan was XXXX insured loan. 


I 've included the following documents to substantiate my claims : 1. The Defendants ' Late Answer excerpts XXXX XXXX. XXXX ) 2. The most recent docket entry of the pending lawsuit, XXXX. XXXX ; Order Continuing Stay dated XXXX XXXX, XXXX These are records that are documented in the Federal Court that are undisputed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have several complaints against Nationstar Mortgage. First, my loan was dual tracked for foreclosure after I submitted an application for a loan modification. Second, I am being double charged " legal fees '' and " property inspection fees '' by Nationstar Mortgage based on the terms of my final loan modification which was to include all of these fees ( notwithstanding the dual tracking ), and third, Nationstar has refused to credit my bill in a timely manner. 

As the attached documents show, I submitted a request for loan modification assistance, and received a confirmation on XX/XX/XXXX of the request. My loan was then referred to foreclosure on XX/XX/XXXX. 

I received trial modification approval on XX/XX/XXXX, and on XX/XX/XXXX received a permanent loan modification. The terms of the permanent loan modification under paragraph 1 state that it includes " any legal fees and related foreclosure costs that may have been accrued for work completed ''. 

Nonetheless, I have continued to receive a fees in the amount of {$340.00} for " legal fees '' and " property inspections '' that should not have been charged in the first place based on the fact that my loan was originally dual tracked, and at any rate would have been included in my XX/XX/XXXX loan modification. I have disputed these fees numerous times, and I have been told various inconsistent things by the customer service representatives. The last official notice brushes the issue aside completely. I am reaching out to the Consumer Financial Protection Bureau to help resolve this matter, since Nationstar refuses to correct it on their own accord.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was seen by XXXX XXXX in XX/XX/XXXX for a XXXX. I presented my insurance information at the time of service and was never notified that I owed them {$65.00}. They had my correct address and telephone number but never contacted me by mail or phone that I owed the money in almost 2 years. In XX/XX/XXXX they sent my information to a collection agency ( Transworld Systems ) who in turn reported it to the credit bureaus resulting which totally trashed my credit and dropped my score by XXXX points. I would have paid the debt had I known about it in the first place. It was n't until XX/XX/XXXX that I received a bill for the {$65.00} from Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with documents the their company has on file that was used to verify the accounts I disputed Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my request to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: My problems began with Santander Consumer USA on XX/XX/XXXX the day I signed the loan contract. I then discover that the dealer ship that did my finance paperwork XXXX put the wrong date that the loan was effective. The put that the loan date was on XX/XX/XXXX which is fraudulent. I tried on numerous occousions to get Santander to correct this but of course they did n't. Fast forward to XX/XX/XXXX thats when I started getting the billing issues. Keep in mind that I never missed a payment and according to the loan contract if i was ever late with a payment the late fee was XXXX for each occurrence. Also the monthly payment amount that was stated in the loan contract was XXXX. In XX/XX/XXXX they have sent me a bill for XXXX almost triple my car payment, In XX/XX/XXXX they sent me a bill for {$560.00} again almost triple what my car payment was supposed to be. As you can see in the statements i keep sending in my regular car payment but I never got proper credit for it. I called them on numerous occousions for them to correct the issue but they never did. The billing situation got so bad that i was forced to let them come get the car you will see this in the billing statements. After the voluntary repossession which happened on XX/XX/XXXX they did not send any of the required documents via certified mail that i was supposed to have received. Occording to North Carolina law i was supposed to have received a certified notice to how many days i had to pay off the vehicle before it went to auction, never received that. Also after they auction off the vehicle i was supposed to received another certified notice saying how much they sold the car for and how much i still owed on the car. Never received that either. So that alone makes this very unethical and possibly an illegal action. After the reposation and the selling of the car i would get harrsing phone calls non stop on a daily basis from Santander saying one day I would owe XXXX on the account then the next day they claim I owed XXXX and so on so. The amount they claimed i owed was very inconsent.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Other mortgage) with Nationwide Biweekly Administration, Inc. (MT).
Issue: Loan servicing, payments, escrow account

Complaint: I received e-mails from Nationwide Bi-Weekly Administration that they were discontinuing service but that our Mortgage Payment would be made for the month of XXXX if our account had been debited in XXXX with the additional funds to be credited to our bank account. They debited the account on XXXX XXXX, XXXX XXXX and XXXX XXXX. My mortgage has not been paid to my lender as of today XXXX nor have I been returned the additional funds in my holding account that they have promised. The total amount for the XXXX debits is {$2200.00}. {$1500.00} should have been paid on XXXX XXXX to XXXX for my mortgage with {$760.00} returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Multiple attempts failed by varies means. Just today a lender accessed my file when I am supposed to have a credit security freeze in place. Evidently as meaningless as the fraud alert they lied to you about. I guess lies are ok. Also records posted by creditors incorrect impacting my ability to gain credit due to extremely low score.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Mark A. Kirkorsky, PC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, XXXX, I received a letter from a debt collection agency, Mark Kirkorsky P.C. Law Office of XXXX XXXX ( XXXX ), it claimed that I was liable to XXXX XXXX XXXX ( XXXX ) for a non payment of a service XX/XX/XXXX. XX/XX/XXXX, I was a property manager and managed a rental home for my client at XXXX XXXX XXXX XXXX XXXX XXXX CA. We had a XXXX XXXX XXXX XXXX to do all the appliances repairs. I filed a claim through the home warranty company and XXXX approved the claim and authorized, hired XXXX XXXX XXXX XXXX and did the service. On XX/XX/XXXX, I received a phone call from Mark Kirkorsky Law Office ( XXXX, XXXX XXXX ) and said I owe {$290.00} to General Appliances XXXX. I was shocked regarding such a phone call. After I did some investigation, I have learned the XXXX had billing issue with the home warranty company and finally they turned the bill to the collection agency. However, Law Office of Mark A. Kirkorsky PC does not right to pursue me to pay them on the service for these reasons : 1 ) I did not hire them for the service and I did not have service contract with them. They were hired by the warranty company and they had contract with home warranty company ; 2 ) I was not a home owner or landlord on that property. I was a property manager at that time. I was not a beneficary for that service. The debt is not mine. I am very concerned about this debt collection agency that they did not fully verify information before sent out collection letter and they made harrassment phone call to me. The unpaid bill was involved with home warranty company and billing collection problems between warranty company and service provider XXXX XXXX XXXX XXXX XXXX. They should not get the property manager involved and liable for non payment. The debt collection should sue and get judgment from XXXX XXXX XXXX XXXX but not me, a property manager.nstead, I never authorized the service contract and never hired the service company myself. We used XXXX XXXX XXXX to cover our repairs and expected XXXX XXXX XXXX to take care of the bill. The debt collector chases the wrong party.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (CO).
Issue: Settlement process and costs

Complaint: I am selling my house, set to close on XXXX XXXX. I have an insurance claim out due to hail damage and am getting a new roof and gutter, which needs to be complete before the house closes. The contractor and I followed all the mortgager rules to the " T '' to get the insurance check to them including a pre paid envelope to ensure the check to the contractor and I gets back to us in 5 days. We were ensured everyday that is would be mailed to us on XXXX/XXXX/15. That did n't happen, we have called everyday since and someone says it 's going out today you 'll have it tomorrow to we ca n't use the envelope you sent we have to use a different one. They say fed ex has it and I talked to fed ex and they do not have it, they said they have not been called to pick it up. I called and talked to a manager, XXXX, today and he assured me that he or someone would walk to the mail room make sure it is really there and going to be picked up today and they would call me back. Three hours later, I finally received a call from XXXX and she said she took it there yesterday herself before time for XXXX to pick it up, so she does n't know what else she can do. She said she ca n't make it to the mail room to check before they close. So right now, we do n't know where the money is, if it is coming, and if not can I still sell my house while the monies are out there somewhere? I have always paid my mortgage on time, and I feel that right now Flagstar Bank could n't care less about a customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (I do not know) with Credence Resource Management, LLC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company, " Credence Resource Management '' has continued to call and demand I provide personal information, like my social security number and address, and when I refuse, they indicate I have to or they will take legal action. I do n't know who they are or what they are calling about. I have repeatedly asked to be removed from their call list and I keep getting calls. 

When I was recently on vacation, they called my phone so many times, that it defeated by " Do Not Disturb '' feature as my phone thought it must be an emergency. 

They will not identify themselves, what they are calling about or what company they are calling on behalf of. 

When I finally blocked the number on my cell phone, they just started calling from a new number.

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 03/23/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We sent a Qualified Written Request to a servicer and Trustee who seem to be committing ro-bo signing who has refused to produce original documents and is in violation of it consent orders. We remove the companies power of attorney in 2012 for fraud and XXXX XXXX has settled for violating the fair housing act and and they continue to try and take our property under the color of law. there are so many more things that they are in violation and I am asking the CFPB with the laws they are violating. the reason for this complaint goes much further than th

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 12/20/2016 about Debt collection (Medical) with Io, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am trying to rent an apartment and the renter ran a credit report on me through Transunion and was unable to get any information. I also tried getting my free annual credit report though Transunion and XXXX and both would not give me any information. I was able to get my report using XXXX though.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've had the displeasure of working with Navient since they were XXXX at the start of my collegiate career at XXXX. XXXX ( now Navient ) was the lender they suggested I work with. 

-From XX/XX/XXXX ( graduation ) through XX/XX/XXXX, when I was financially stable enough to begin steady payback, I was only offered Forbearance as a hardship option with capitalized interest on my private loans. Each time, I was told to apply for deferment, only to be denied in favor of forbearance without explaination. Ultimately, this capitalized interest from forbearance added over $ XXXX to my loans over the course of about XXXX months. 
-I was told multiple times by multiple reps that any " additional '' payment would be automatically applied to principal. I found this to be false, that my extra payment instead was applied to interest. When I called to ask for an explanation, I was told that it should not have happened ... but they would not change the payment I 'd made to correct this. 
-Discussions with reps still offer varied explainations for why I would have differing amounts paid to principal each month since beginning regular, full payments in XX/XX/XXXX. 
-I have never been given a reason beyond " you ca n't '' when asking to split additional payment toward principal amongst my loans to apply to my XXXX, higher-interest loan. I was told any extra payment that supposedly goes to principal is applied equally to all loans, preventing me from paying down my highest-interest one any quicker. 
-I still do not understand why I have a disbursement listed on my record dated XXXX months after I graduated. This is unrelated to my capitalized interest. 

Eventually, I stopped trying to contact them, and stopped trying to pay off additional principal. It became clear that their reps a ) only had access to the same information I did, b ) that they either had no power or desire to help me and my situation, and c ) that information would change from rep to rep as far as what my options/explanations were. It was not helpful to call someone and have them repeat the information I saw on my screen back to me and offer no insight. If i asked to speak to a XXXX, I would be placed on hold for a lengthy period ( expected ) and then receive the same answers from the reps ( also, expected ). 

It 's unfortunate I can only pick XXXX to " describe my issue '' in this report, because I 've had trouble with how payments are handled, I do n't agree with fees charged, received bad information about my loans and have major problems with customer service.

Company response to consumer: Closed with explanation