vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Several weeks after a XXXX, a partner in the medical practice ( not the doctor who treated me ) called me and insisted I meet him in the ER. He then called my insurance company and insisted I needed " observation  ''. I sat in the waiting room, without knowing why I was there, for several hours while he convinced the insurance company that I needed further care. He insisted I be admitted  to the hospital where unneeded and XXXX  XXXX tests  were performed. One of the nurses told me that because I have XXXX in addition to my primary insurance, it didn't matter how long I stayed in the hospital. After they XXXX my XXXX  several times during a botched and unnecessary procedure, I finally called a physician outside XXXX system who advised me to ask for a copy of my medical records. An attending nurse wrote the request on the white board in my room. When yet another doctor in the practice saw the note, she said " there's nothing wrong with you, is there? '' and she signed immediate release papers. The nurse literally threw my clothes on the hospital bed and told me to call them when I got home to ensure I arrived safely. Thus, I must have gone instantly from half dead to a get out of here and fend for yourself status. I have tried in vain to get a detailed account of the billing, but the hospital and the doctors have both refused the request. My understanding is that 8-10 departments in the hospital charged an Observation fee of $ 800-1000. The surgical group tried to file a false XXXX claim but it was rejected. The hospital has refused to file a claim with XXXX. They just want me to pay for this scam. A complaint to the hospital was buried by their Quality team and the representative there who was handling my complaint had a colleague call me to say she was too busy to talk to me. This is fraud, unfair and deceptive, and the greedy, inept doctor who did this is a danger to the public. Several people were assigned to look at various aspects of the complaint and one of them sent me a letter stating that the doctor in the practice who initially treated me agreed that everything went well and there was nothing wrong with me, so the big question is why did a random physician in the practice contact a patient he had never seen and fail, from the beginning, to respond to that patient 's repeated questions about what was wrong. Why hold a patient in the hospital with the intent of billing XXXX, then fail to actually file a XXXX claim -- no doubt it's because the patient called their bluff on the fraud. If the hospital has refused to participate in the billing fraud, the doctor who perpetrated the scam should pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NH

Complaint narrative:
For over the past year I have been trying to make larger payments on my student loans to help get them paid off. I noticed that my balances barely ever looked like they were getting any lower. I contacted them through email as their phone line is impossible to get through. I was sent back a generic response for if I needed assistance because of inability to pay. I had to spend over an hour trying to dig through information on their website so find out that they were putting any extra money that I clearly stated on my checks was for principal towards interest. This is sneaky and only in their best interest. I want all of my payments fixed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
CCS COLLECTIONS AT XXXX XXXX XXXX, XXXX, MA XXXX, AND XXXX CREDIT BUREAU ALONG WITH XXXX CREDIT BUREAU REFUSES TO PROPERLY REINVESTIGATE MY DISPUTES AND CCS COLLECTIONS, XXXX XXXX XXXX, XXXX, MA XXXX REFUSES TO RESPOND TO MY DEBT VALIDATION LETTER. I AM NOT RESPONSIBLE FOR THE DEBT. THE ORIGINAL CREDITOR IS : XXXX, XXXX XXXX, MN. ACCOUNT : XXXX. THE ALLEGED AMOUNT {$170.00}. I LIVED WITH MY SON IN XXXX, MN FOR 1 MONTH AT THE ADDRESS THE ACCOUNT IS BEING BILLED FOR FROM XXXX XXXX XXXX XXXX. MY SON ORDERED THE XXXX SERVICES AND IS RESPONSIBLE FOR THE DEBT. HE IS REPORTED XXXX IN CALIFORNIA. I HAVENT HEARD FROM HIM SINCE XX/XX/XXXX. MY SON WAS THE LEASE HOLDER. I HAVE SPOKE TO CCS COLLECTIONS ABOUT THIS, AND EVEN OFFERED TO PAY IT IN FULL FOR MY XXXX XXXX SON, BUT CCS COLLECTIONS REFUSED TO REMOVE THE NEGATIVE REMARK WITH THE CREDIT BUREAUS, EVEN IF I PAYED IT IN FULL. I PLAN TO SUE THEM, XXXX   AND XXXX FOR CHARACTER DEFAMATION. XXXX DID DELETE THIS FRAUDULENT DEBT. XXXX, XXXX AND CCS COLLECTIONS CONTINUE REPORTING IT IN MY NAME MONTHLY. CCS HAS REFUSED TO OFFER ANY VALIDATION OF THE DEBT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
Meade Recovery Services is illegally attempting to collect a fraudulent debt from me from XXXX XXXX XXXX. I was double covered ( insurance ) during the time of my appt., and they did not bill either insurance. I have asked for documentation from XXXX XXXX XXXX and Meade Recovery, yet the neglect to send it. M

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
Fed Loan Servicing has my student loans. 
For a year, I have been writing letters trying to have this debt dismissed due to all the fraud. 
XXXX XXXX opened unauthorized accounts and is now being sued. 
XXXX XXXX is facing 6 lawsuits. 
How can I be held responsible for a contract riddle with fraud? 
It has been 9 years since my education and I still have yet to benefit from this education. 
I have filled out 6 applications for loan discharge that have all been returned because my situation does not fit into their categories.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
I have documentation that national credit adjusters, account number XXXX, reduced total do from XXXX to XXXX and I put XXXX towards the XXXX and have been paying XXXX by weekly without a missed payment, therefore my total should be approximately XXXX left on my balance, just need it to be corrected on my credit report, and I will be contacting national credit adjusters as well to get this corrected. I can send you the documentation that I have, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Caller identified himself as XXXX support team regarding a virus protection plan I had in the past and had cancelled over a year ago Told me I would be charged a renewal fee of several hundred dollars if I did not cancel over the computer. He advised me to go into my computer ( he aready had my code which they assigned when I purchased the plan ). I did so and he was able to view all my banking accounts. He told me XXXX was going to reimburse me about {$600.00} in two amounts {$420.00} and I think {$170.00} not sure. Anyway he then told me for some reason he had made an error in the amounts and it could only be corrected it i went into the bank. I live in FL and we were having a possible Categroy 5 hurrican in XXXX. XXXX and I was busy packing for a possible evacuation so I was very unnerved and distracted by that situation and the phone call. I kept him on he other line and called Bank ofAmerica to verify this info, but I couldn't get through so I hung up. He then told me I had to go into the bank, withdraw the money he had put in my account and go to XXXX  and purchase a gift card. That's when I realized something was very wrong. I hung up on him. I rushed to the bank only 10 minutes from my house and reported the fraud and they closed all my accounts and reopened new ones. They had already taken {$2000.00} advance from my credit card and something out of my bank account. BAnk rep assured me everything was straightened out and I did not lose any money. Now I keep getting letters from Bank ofAmerica stating my fraud claim is denied and I am reponsible for the {$20000.00} on my credit card. They had denied it 2 times. I also called the police, but they told me there really wasn't anything they could do. Am I liable for that {$2000.00}? Please help. Thank you

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 2019-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Wells Fargo, in XX/XX/XXXX and XX/XX/XXXX, you were my mortgage loan servicer where you were both a mortgage lender and a mortgage servicer. The underlying mortgage loan that you serviced has Mers Min Id of XXXX, during XX/XX/XXXX and XX/XX/XXXX. According to HUD settlement statement, XXXX refinanced the mortgage lien under Texas Section 50 ( a ) ( 4 ) guideline.  This requires that XXXX will pay for your loan ( the  one you issued as a lender and as a servicer ) to be released since paid off by them. Then they will establish their lien. While XXXX did their fraudulent staffs, your company fraudulently pursued a DIL ( Deed in Lien of Foreclosure ), without even informing me. It is obvious that my signature and the agreements needed have been forged. So here are some important question on that regard. Was it a XXXX loan that they quit claimed or was it not, in which case you quit claimed in guise of a special warranty deed? This is important because due to your DIL and quit claim, my chain of title has been messed up. I don't mind you guys transfer your loan for mortgage backed security or sale if to someone else, what I do mind is that you forge the signature and all the documents using my identity and then finally break the chain of title. 
Hope you understand the pain. So please provide the state of this thing, so that I can take the right approach to fix this. Thanks.

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 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS ACCOUNT RESOLUTIONS are still reporting information on credit without doing their due diligence. Per the FCRA a debt collector must notify you in writing allowing you the opportunity to dispute or at least investigate prior to placing any items on your credit report. 
I Was never notified that ARS was attempting to collect on a medical debt from XX/XX/XXXX by a third party. Per statute of limitations in the state of Texas there is a four year time limit with regard to this in the court of law. 
Recently I checked my consumer reports and disputed this on XX/XX/XXXX and ARS was  supposed to investigate this. It has been over 30 days and I never received a response or any documentation regarding my dispute. 
If this is not removed I am prepared to take legal action against this company.

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 2019-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On XX/XX/2019 I applied for a refinance on my current mortgage with Nationstar d/b/a Mr. Cooper, I wanted to take out {$100000.00} cash. 

After several months of back and forth e-mails submitting all the requested documents in a timely manner, with the loan processor, XXXX XXXX, it was like pulling teeth to get the status of my loan. Every time I went into the Mr. Cooper site, all I would see was " In review, '' and the closing date kept being pushed back about six times, maybe more. I would call Ms. XXXX or send an e-mail and she didn't know what the hold up was, and that she would send them a message. 

Three month 's later, I finally get the message that my loan has been approved, but I still had to submit more documents, namely my insurance information. The whole process has been a nightmare dealing with Mr. Cooper, but still I submitted what was asked for. 

After yet another e-mail, in which I initiated, I finally get an e-mail that she was going to try to set up the closing on Wednesday, XX/XX/XXXX or Thursday the XX/XX/XXXX. 

I was super excited, the long-awaited day is finally here. The notary public arrived at XXXX with documents ready to be signed. Much to my surprise the amount on the document was about half of the {$100000.00} I requested! The Notary calls the attorney who told me that I can sign for the {$58000.00} and Mr. Cooper can submit the corrected documents, or not sign ... I said I am not signing anything, because that's not the amount I requested. Nobody told me that the loan amount was going to be significantly reduced. 

I contacted Ms. XXXX, and she acted surprised and didn't have a clue on what happened. She went back into my account and said " Oh I see that in XXXX they reduced it '' ... a long pregnant pause ... but that she did not know why it was reduced. She would have XXXX XXXX, the person who initiated the loan call me. 

Mr. XXXX called me and informed me that Ms. XXXX should have disclosed the fact that I could not borrow more than 70 % of what I owe on the loan ... that If I still wanted the XXXX it would be at a much higher rate, which was never given to me as an option. I told him she never did and she acted surprised. I told him I was furious as I've wasted months trying to secure this loan and provided everything asked of me and for it to conclude like this was disheartening. I told him that Mr. Cooper did not act in good faith and that I was going to file a complaint. He said he would have his supervisor " XXXX '' call me the next day. I have not heard from anyone to try to resolve this very unfortunate situation. And now I'm left in a terrible bind, as I needed that money to do some home repairs, buy a new vehicle and pay my son 's tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Countrywide, in XX/XX/2009, you serviced a mortgage loan issued by Bank of America with MIN XXXX on my property. The FHA loan was closed by your agent and was mailed to my property. It was fun, however, when you guys mailed me the mortgage loan paperwork, you only mailed me the last signature page copy of the HUD 1 Settlement Statement.So as of today I am without the  information of what happened after you sold your service with me. Also I was very upset when you grabbed my signature from some other document and stuck it right on the deed of trust and every where. That was an outstanding job. But here is what I am really upset about you know, and those are- 1. As I said I don't have your HUD 1 Settlement pages that you executed at closing, 2. You did a fraudulent  assignment of deed of trust to Bank of America, I understand that but how could you breached the contract with me by allowing XXXX XXXX sign for it!!! This was so unforgivable you know. XXXX XXXX was a XXXX   employee and has nothing to do with MERS!!! I get the fact that XXXX and you are close buddies, but that does not mean you will do assignment by breaching our holy deed of trust! 
3. See, an obligor can not challenge an assignment when such assignment breaches his contract with the assignor who is in default. But right now, I am not an obligor. So I can straight go for breach of contract and get this voided and then go after this XXXX mess. 

4. May be we should settle this out of Court. I need to get my title clean which you all have filled with clouds. So send me your agreement on the fact that this has been in violation of breach of contract and I just go to Court and clear the cloud.

And please don't forget to attach the copy of HUD 1 Settlement statement that you executed during closing in XX/XX/2009. 

Thanks a lot.

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 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email stating my application was denied for employment by XXXX. They were given a background report from Checkr and this report is inaccurate. I had my XXXX  set aside in the state of Arizona in XXXX. I contacted Checkr and they are still reporting the incorrect information regarding my criminal history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased 2 dress from XXXX ON XXXX XXXX WITH MY CITI BANK CREDIT CARD when i received the merchandise on XX/XX/2019 the merchandise was late and the quality was not what was showed online with the picture as the same. I called XXXX and mention to them to send me a label to send the merchandise right back to them which i did on XX/XX/2019 and was received back to them in the same packaged XXXX sent it to me. I then was told XXXX which is a 3rd party came into the transaction and mention they were not going to released my refund back to me Surprised 1 after they have the merchandise back at XXXX and now citi bank are backing them! i nevrer was told or metioned a third party was involved in the transaction up front also me being a victim of identity theft with XXXX 5 years ago was shocked! i then demande that CITI cards returned that {$67.00} back to my credit card becaused it went on back and forth for over a month now. I ACCUSED CITI, XXXX, XXXX OF TRYING TO STEAL MY HARD EARNED MONEY ALSO CALLED THE DISPUTE DEPT AND CHATTED WITH THEM ON LINE GOING ON A MONTH NOW! XXXX HAVE THE MERCHANDISE BACK AND ALL THREE HAVE REFUSED TO GIVE ME MY REFUND! Dispute # 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 monetary relief
Consumer complaint received 2019-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
As an XXXX for the past six consecutive years in multiple XXXX that qualify for XXXX  federal loan forgiveness my application ( s ) have continuously been denied for minor issues such as incorrect date format and full title of Chief   Administrator not stating his position. Because of this I took it upon myself to call MyFedLoan directly and ask why my application is continuously being denied when time after time the people I speak to regarding what I need to fix, give me the supposed run down on what needs to be done. My call on XX/XX/17, however, was different. When I was in conversation, two people who I spoke to from my loan holder ( MyFedLoan ) said one reason I am being denied is because the gap from one XXXX to the next is larger than seven days which voids the XXXX  loan forgiveness I am looking to receive after working five consecutive years in qualifying XXXX. ( Ive worked in three different XXXX in five years ). I am reaching out because not only did one of the people I spoke to said they had no idea about this seven day gap issue, it is no where to be found on neither the application nor website. Because of the withholding of information, myself along with a long list of people may be denied because of lack of transparency, which I believe is very deceitful and should be taken serious and looked into. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: OK

Complaint narrative:
A relative was denied credit and one of the reporting sources was a company called XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX, ( XXXX ) XXXX. I keep a close watch on my credit reports, and I had never heard of this company. Assuming they have credit information on me I went to see if I could get my credit report in the usual way, through XXXX. This company is not even mentioned there. 

There is a process to get a report directly from them, but it is much more invasive and complicated. Reading online, I see many people complain that this company 's credit scores are hundreds of points below the average at the other three reporting agencies. They also report difficulties getting straight answers on what constitutes a " good '' score, and even what contributes to their scoring. 

I am very upset that I can not examine what information they have about me through the usual reporting process at XXXX. I think an investigation of this company is warranted.

Company response to consumer: Closed with explanation