milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This medical bill of {$100.00} was paid to XXXX XXXX HOSPITAL and this company is ruining my credit with there false reports. It has already been a known fact that this company uses unethical and illegal business practices as a debt collector. Remove this account from my credit as it has been already paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (I do not know) with CL HOLDINGS LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: As of XXXX/XXXX/17, I received an alert from my credit monitoring services indicating a new account was added to my credit profile. After reviewing, I noticed an account from XXXX XXXX was added. I have received no communication from XXXX XXXX regarding this alleged debt! This company did not follow the debt collection process allowing me to request the appropriate debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2015 about Mortgage (Other mortgage) with BANKUNITED, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I XXXX XXXX I got a mortgage with PMI from BankUnited, XXXX. At that time I received the Federal Truth-in-lending disclosure and the PMI was set to {$370.00} for the XXXX XXXX payments and to {$67.00} for the next XXXX payments, and no PMI thereafter. 
In XXXX XXXX the PMI increased to {$410.00}. BankUnited did n't send any notification. In XXXX XXXX I noticed a very small decrease XXXX to {$410.00} XXXX, again without receiving any notification. 
Every year, in XXXX, after receiving the escrow account statement, I inquired about these PMI changes calling the bank. I spoke with several representatives asking about the PMI change and the reason for this change, but it seemed they did n't have the knowledge or responsibility to provide an answer. Every time after these phone calls, I was told to expect to be contacted by someone else from another department, but only thing that happened was to receive courtesy letters with the conditions to drop the PMI, totally not related with what I asked about. 
This year I insisted more and I got to talk to a representative that explained to me there 's another company that charge this PMI and she will contact this company asking for the answers for me. I called back few times and I was told that the PMI company did n't reply. 
It 's been three months since I 've started this endeavor this year and still no explanation. I called back XXXX about XXXX weeks ago and the representative told me she would follow-up with them ... again. I still have n't received any call back. 
I had XXXX loan modifications during these years, in XXXX and XXXX, but the new documents did n't contain anything regarding the PMI and there was no new document added that mentioned the change in PMI. Moreover, the dates when the PMI changed were not related to the dates the loan modifications occurred. I was told also during the discussions I had with the bank 's representative that the PMI was n't affected by the new loan conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Medical debt) with Financial Data Systems (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX initially was trying to collect on a medical bill that was paid, and they placed a collection on all 3 credit bureaus. All 3 was deleted and they reInserted the line. Again XXXX and XXXX deleted the bogus item. I am enclosing the documents. As for XXXX they will not, even though they are reporting the account as being DELIQUENT as of XX/XX/XXXX .... but the catch here is my XXXX was on XX/XX/XXXX. As confirmed by XXXX XXXX, this account wasnt delinquent and the bill wasnt generated until XX/XX/XXXX. So for this medical bill ... before my insurance could settle up .... 3 months and 14 days later they are reporting it as a collection account. With the new laws I was under the impression we had up to 6 months to get the situation taken care of because of the insurance companys protocol. Again this is there 2nd time inserting this on my credit file. Please remove this collection asap..!! Thanks in Advance

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 10/26/2017 about Debt collection (I do not know) with National Collection Systems, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my debt. I have no signed contract with National Credit Management. I have never done business with this company, and therefore am not obligated to pay on this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Trouble during payment process

Complaint: TO CFPB Management : Hi, I am very disappointed by incompetence and complete disregard by SunTrust Mortgage, while servicing my loan. I was contacted by SunTrust Mortgage about necessary flood insurance coverage for my property. However, although I provided all information about my own flood insurance coverage through my condominium, they still insisted on buying their insurance. 

When I contacted a Customer Service representative XXXX XXXX and told her that my Principal Loan Balance is {$76000.00} $ and my own insurance coverage is {$82000.00} through XXXX, which meant that I am in full compliance by FEMA requirements ( see below ), she promised to open a research case and get back to me in three days by personally calling me. 

A week has passed and XXXX XXXX did not call me to provide any status update on the research. When I called myself, some other associate responded and said that research concluded that you need XXXX imposed flood insurance. When I asked to provide me the grounds for such an additional coverage, she failed to provide them and referred again to a conclusion of the Research Department. When I told her to go on the FEMA web-site and pointed to the requirements ( see below ), she said that they would need to open another research for that. 

Please assist with resolving this case for me to get the refund for unnecessary insurance coverage and completely remove that imposed flood insurance coverage from my account. 

I attached my flood insurance coverage from XXXX, my loan information and FEMA requirements for flood insurance. 
The amount of flood insurance coverage required by the Flood Disaster Protection Act of 1973, as amended by the National Flood Insurance Reform Act of 1994, is the lesser of the following : 1. The maximum amount of NFIP coverage available for the particular property type, or 2. The outstanding principal balance of the loan, or 3. The insurable value of the structure.

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 08-03-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: In XX/XX/XXXX, my XXXX Credit Card issued by Comenity Bank had a balance of {$10.00}, which was paid-in-full prior to the statement closing date of X/XX/2017. My XXXX statement was a bill for {$2.00}, for an account with a zero balance. The company representative explained to me that this is a " trailing finance charge '' assessed when you do not pay for a purchase in full on the first month. {$2.00} is the minimum interest fee. " That is a valid finance charge, so I would not be able to waive that fee. '' Therefore, for everyone that pays a financed purchase in increments, after payment-in-full, {$2.00} will automatically be assessed, even after achieving a XXXX Balance. For every consumer that does not pay off the entirety of their initial purchase on the card the first month, when they do pay the balance to zero, the bank will still assess a {$2.00} fee at the end for the privilege of financing at an already usurious 25.7400 % ( v ) APR! No one should have to pay {$2.00} interest on a zero balance!

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased furniture in XXXX, paid it off in XXXX. Somehow the original creditor sold my debt to another company and now they are coming after me. I called and explained what was going on. I called the original lender and they sent me proof that the debt was paid off. Now the collection company has this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2016 and XXXX XXXX, 2016 I filed a dispute for XXXX tax liens. I believe these public records to be filed in error. Equifax was supposed to investigate these items for accuracy and completeness. They report that they verified the items are reporting correctly. However, when I contacted the Ohio Department of Taxation and the XXXX office they both stated that they do not provide verification to the credit reporting agencies. Therefore, it is not possible that Equifax was able to obtain the legally required verification of the record reporting. Upon contacting Equifax, on two separate occasion on XXXX/XXXX/16 and XXXX/XXXX/16 via certified mail, requesting that they mail a description of their procedures, indicating the exact name and contact information for the person responsible for verifying the record they were unable to provide anything. The FCRA requires credit agencies to disclose the procedure for obtaining verification. This is a clear violation of the FCRA. The two tax liens for {$3900.00} ( reference Number XXXX ) and {$630.00} ( reference Number XXXX ) should be immediately deleted without further need for investigation. I am not initiating a dispute. That has been done already and Equifax did not follow the law. This is routinely done by them and the CFPB should act immediately to prevent Equifax from listing public records for which there is not possible way that they could have obtained the verification.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have reported identity fraud with all 3 credit bureaus. There is an account from an apartment that is not my account. XXXX  and XXXX has handle the issue and updated my reports but not Transunion. I have called and sent out letters to relsoved this issue but I have not heard or recieved feedback about this account. I want it removed. It is not my account and I'm getting upset because it's affecting my credit!! 
The amount of {$1800.00} give or take form 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 06/20/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I have an XXXX XXXX account and im trying to get payed for the hours i worked this week but im having problems getting the money into my account because it says my bank is taking too long to send my information. Help?

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My debit card ending in XXXX - was fraudulently used overseas to withdraw funds on 5 different occasions. Totally more than {$2400.00}. I filed a dispute with Navy Federal and the same day my claim was denied because they found no error due to my account activity? I believe my debit card was skimmed when I attempted to withdraw funds when I was in XXXX XXXX but the machine could not read my card and spat out my debit card. Now I am out more than XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: The balance on my student loans is not accurate and have submitted a discharge application but all my supporting documents including bank statements were rejected and not used to make a decision by Great Lakes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was XXXX XXXX for a debt that I never incurred. I have tried several times to resolve this with the creditor and they refuse to provide proof of the debt simply stating that they are validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The Student Loan Help Center ( XXXX was the person I talked to at ( XXXX ) XXXX ext. XXXX ) claimed they would set up a consolidation for my federal loans, arrange a temporary forbearance during the process, enroll me in the Public Service Loan Forgiveness, and arrange my new monthly payment to be {$110.00} if I filed married-filing-separately or {$240.00} if I did not change my tax filing status. For these services, they charged me {$990.00}, which I paid in XXXX installments. The first payment of {$240.00} was taken from my checking account the day I agreed to these terms. Within a couple of days later, I submitted a notorized power of attorney release and my federal tax statement from the previous year, which they had requested. 
In XXXX, I received a loan payment plan from XXXX XXXX, the new servicing agency that has been assigned to service my consolidated loan. The payment was set at {$330.00}. I called them to ask why it was so high and they told me it had been set using the information I had given Student Loan Help center. After hearing what had been promised me, the XXXX representative told me that they has terminated their relationship with Student Loan Help Center, that I should file a complaint and take action to get my money back, that I was not enrolled in any forgiveness program, and that the consolidation of my loans caused me to lose any retroactive forgiveness I may have coming once I enroll myself in the federal forgiveness program. They also have notified me that they have denied my power-of-attorney. 
I called Student Loan Help Center to ask why my payment was so high and XXXX, who set the whole process in action, told me that " It will happen. ", but that I would have to talk to another representative, who she forwarded my call to. I was on hold for a very long time and gave up. 
My bank is currently pursuing a dispute of the four payments that Student Loan Help Center has extracted from my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Reported yes. Final response, no. Even though XXXX and XXXX XXXX have me reported normally, Equifax has my information combined with another person. When I called them on this they were not willing to help rather told me I was at fault for not checking in with them XXXX a year. In the end, their only solution was that I " register '' with them and have my credit re-reported to them. In addition, they have put it on me to contact the other party to make sure they contact Equifax to verify their credit information. 
Needless to say, it has been more than a headache.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XXXX   XXXX  card : I am putting my complaint first and the wording from  XXXX   XXXX   XXXX  . The whole miles program is a scam that needs to be STOPPED. They do not count miles or even care how long your flight is. They giv e 1-7 CENTS for every dollar charged,    but usually 1c.
Example from below- 30,000 mil  es ( the earth is  XXXX  miles around ) should give you a ticket around the globe right? Nope its {$300.00}.     How is this not intentionally misleading? Classic bait and switch meant intentionally to mislead with an image   of one thing while saying something completely false.
I have no hope that our corrupt " Protection Bureau '' will do anything but bury this since they had to approve it in the first place, but it is wrong   ; and a lie ; and should be illegal.   Maybe this will get posted someplace and it will help someone out.     Bogus offer below- Welcome Bonus Offer : Earn  XXXX  bonus miles after spending {$1000.00} in eligible purchases on your new Card in the first 3 months2 Plus, earn a {$50.00} statement credit after you make   a Delta purchase with your new Card in the first 3 months3 Pile up the miles : Earn up to 7 miles per dollar spent on Delta flights purchased directly with Delta on your Card- that 's 2 miles with your Card and up to 5 additional miles4 as a SkyMiles member.
Earn 1 mile for every eligible dollar spent on purchases with no mileage cap 5 Earn    unlimited miles miles do n't expire!

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Savings account) with BB&T CORPORATION (TN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I received a letter dated XX/XX/XXXX from BB & T about my account # XXXX stating that they were changing my fixed rate. This account came from XXXX XXXX XXXX XXXX XXXXXXXX years ago it had a fixed rate of 6.5 % and was guaranteed never to go below that. XXXX XXXX XXXX XXXX XXXXXXXX failed and was acquired by XXXX XXXX in XX/XX/XXXX. They tried to lower the interest rate on these accounts but the FDIC ruled that they could not. Later XXXX XXXX was acquired by BB & T who has paid the 6.5 % interest since they acquired XXXX XXXXXXXX which was many years ago. Now after paying this rate from the time they acquired XXXX XXXXXXXX they want to change it but that was not the guarantee that XXXX XXXXXXXX XXXX XXXX made. Since the FDIC ruled that XXXX XXXXXXXX must pay the 6.5 % a.p.r. why are we having to go through this problem again. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone XXXX E-mail XXXX Thanks for you looking into this for me.

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 03/14/2018 about Debt collection (Other debt) with Simon’s Agency, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ive asked Simons Agency to validate the alleged debt and they have sent me from what it looks like a scanned/copy of a paper of their so called Current Contact. Nothing on this piece of paper shows a contract that I have with this company nor does it show my signature agreeing to pay this company this alleged debt. Theres nothing on this paper that gives me assurance that this is my debt. Anyone can put a name, phone number and address and claim that I owe them money. This is not an acceptable form of validation. Ive also tried to settle this debt even though it was not properly validated and never got a response from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (I do not know) with National Enterprise Systems, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Enterprise Services contacts me daily from a variety of numbers to collect a debt from one of the XXXX independent contractors working with an XXXX that I have in MD. This aggressive and inappropriate behavior can not be lawful. They are calling my personal cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (OH).
Issue: Struggling to pay mortgage

Complaint: I am filing this complaint against PNC Bank due to the loss of my home of 15 years. The main mortgage holder was  XXXX  and  PNC  was 2nd. I lost my job due to illness and I was in a Short sale with my home. I was owing PNC under {$10000.00} and  XXXX  Mortgage was willing to pay {$6000.00} of that money and paperwork was submitted to  PNC  over 3 times of the  XXXX  to get their approval of the {$6000.00} as I had a buyer and the home was sold and the closing date was set but anyone who had my file would not, did not return our calls. Also the title company was trying to reach them and PNC would not return their calls either. In turn, I lost my buyer and my home was acutioned off for much less then the contract price due to the negligents of PNC not co operatin g. 2 real estate agents did not get paid for their time and work, I will now need to file bankruptcy, my neighbors value of their homes have gone down and the buyer lost a lot of money in fees. PNC had  10 days to sign off on the paperwork and neglected to even return a phone call either way. I even physically went to the  XXXX  Ohio branch and spoke to someone in the short sale Dept.

Company response to consumer: Closed with explanation