milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/23/2016 about Debt collection (Medical) with American Collections Enterprise, Inc. (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Amercican Collections Inc has repeatedly been harassing and intimidating when I have interacted on the phone with them. The manager whom I was transferred to after speaking with XXXX, threatened to call the doctor 's office I owe a debt to and tell the doctor 's office that I am not cooperating with the terms of the payment agreement. In XX/XX/XXXX, I was told as long as I pay the debt prior to the last day of the month, my account will not change. I sent a partial payment using my bill pay in XX/XX/XXXX and was waiting until I saw the payment post to my bank account to pay the difference. On the day the company received the partial payment, on XX/XX/XXXX, they called me and were telling me contradicting information regarding whether or not me giving them money to pay my debt was a problem. I started this payment agreement in XX/XX/XXXX and paid in XX/XX/XXXX. XX/XX/XXXX is not even over and they are threatening that they will have the doctor 's office collect the original amount. When they called on XX/XX/XXXX, I had already been planning on calling them to use my credit card after I saw the check post to my account, as I had done the previous month. Had they called me simply to ask me to pay the difference for XX/XX/XXXX instead of trying to berate me and pressure me, I would have paid right then. Instead they behaved discourteously. They kept using the word, " generous '' to describe the benevolence of the doctor 's office and I strongly feel the language they were using was meant to belittle me and to intimidate me and to make me feel guilt and shame, despite that I am paying this debt. They are behaving very badly while I am paying this debt. I do not deserve to be harassed and threatened because I am paying a debt. They have lied and misrepresented the information regarding the payment of debts. Also, my husband called ACEI after I called him at work and I was very distressed. When he called ACEI, he spoke with XXXX, who transferred him to the same manager. She disclosed sensitive personal information regarding the debt. She told him who the debt was from, how much it was and all information regarding the debt. To my knowledge, sharing that information is illegal and against confidentiality practices. They did not have my consent or confirm that he was my husband before sharing my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing to you to complain about the accounting and servicing of this mortgage and my need for understanding and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Greetings, My wife incurred medical bills from her XXXX ; our insurance was late on paying a number of the claims. However, IMC Credit Services, obtained some of our accounts receivable that were inaccurate, had incorrect itemized statements, or for items that our insurance had already paid. I was confused with what to do with IMC, as they used tactics that made me think I would be sued if I did n't pay them. 

Recently, I received a demand letter from them that stated balance owed of {$0.00} and it had my wife 's named spelled incorrectly. My wife and I reviewed our credit reports and there is a collection account listed under both of our social security numbers. I 'm unsure how my name is listed if I did not incur any of the services. 

We would like IMC to remove any reporting of this bill on our credit reports. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Checking or savings account (Checking account) with CITY NATIONAL BANK (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I walked to the City National Bank and was met by XXXX XXXX. XXXX asked me to go to the conference room. When I entered the conference room I was told they are not like other banks and opening a checking account can take 2-3 days and he asked for the information on my employer who banks with City National Bank. I gave him that information and he told me that in order to open an account he would have to come to my office and that there would be an 11 day hold on my deposits. I asked him if that applied to checks that were drawn on the bank and he said yes. As a former banker I knew this could n't be correct and I left. He clearly did not want me to open a checking account with the bank. He was rude and gave be inaccurate information based on 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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: In the likely chance my SSN was stolen, I am now under risk of fraud FOR EVER. SSNs do not change.In fact, it is likely that criminals will wait at least a year before using the stolen information, which is when Equifax 's free credit monitoring service will expire. 
The fact the Equifax is offering anything else than lifetime protection is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: select portfolio services reviewed mortgage and taxes in XXXX.they said my county taxes increased to more than XXXX dollars. after a long lenghy battle and a complaint to you i recieved a decrease in my mortgage to XXXX a month this years statement say i owe XXXX in taxes because of ashortage in my escrow .my payment is now XXXX a mortgage pay ment increase of XXXX. XXXX i am a XXXX .how do i pay this because all they want is my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was called numerous times on a daily basis about a debt that Portfolio Recovery purchased in 2014. I  requested verification of the debt on numerous occasions, but I have never received any documentation ( a bill or any other proof ) from them. Because the account was negatively affecting my credit and my requests for validation were essentially ignored, I settled this account for s portion of the balance. 

Since then, this company has continued to report monthly as a factoring company with each credit bureau and has done so since the purchase of the collection account in 2014. The account shows that the debt originated with XXXX. I do not have the full account number. It begins with XXXX. 

I reached out to this company via a BBB complaint. Despite the fact that I attached documentation, which proves the contrary, the company has ignored my complaint. 

XXXX XXXX XXXX business practices are unscrupulous. Rather than perform its own due diligence by obtaining documentation from the claimed original creditor, the company continues to send me mail requesting that I provide such documentation. Even faced with proof of its illegal reporting on my credit reports, the company vehemently denies any wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (CO).
Issue: Application, originator, mortgage broker

Complaint: Everbank keeps changing the terms of the loan and decreasing the amount of the mortgage. They keep making serious errors in paper work ( for example, saying we would pay them over {$28000.00} to close a loan for XXXX amount paid out, and still pay monthly for 30 years! They keep running credit checks which lowers the FICA score and then want to raise the rate as a result. We have yet to see any paperwork come through correctly in over two months of processing time.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Medical) with Eastern Account Systems of Connecticut, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Eastern Collection placed XXXX on my credit report because of a doctor visit in XX/XX/2015. Agency never mailed any information about debt to my address, never knew anything about debt. Never received any communication from this agency of doctor 's office about the debt until two years later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I happened to check  XXXX   XXXX  and behold, an account that I had not opened showed up on my credit report. One week after that I was delinquent {$410.00} and now that reflects on my current credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Medical debt) with Receivable Recovery Services, LLC (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. RECIEVABLE RECOVERY NEEDS to remove ALL accounts on my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants' Credit Guide Company (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They are trying to collect on a debt illegally. They have been reporting this debt for XXXX and a half years but according to the State of Texas, they have n't been bonded in the State of Texas since XXXX! I have repeatedly disputed this account and requested verification but they keep verifying it. Latest verification was XXXX XXXX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Payday loan () with Big Picture Loans, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I obtained a XXXX loan from castlepayday.com not knowing that the company held no license to transact business in my resident state of Ohio. I was rushed into signing an agreement during a desperate time and did not understand the terms and the outrageous interest rate I was being charged. The person on the phone barely spoke English

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid on  XXXX   XXXX ,    2017, directly to Caine & Weiner. ( See attached ) copy of certified funds ( that was cashed ), copy of credit report entry, certified USPS slip and delivery confirmation of the funds. The balance needs to be reported as paid in full per OCC and FDCRA regulations or reported to the appropriate authorities for   sanctions.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Because of lost income, I notified my credit card providers in XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. But one of them, Citi Visa ( XXXX ) declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. I want Citibank to work with me during this personal financial crisis and stop harassing 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 10-03-2016 about Debt collection (Mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My mortgage company send employees to my front door to deliver past due notices and notices to contact servicer. I already speak to them via telephone and respond via mail from servicer. I 've never heard of mortgage companies being allowed to come to your front door almost weekly to hand deliver notes to call servicer or past due notices. Especially when I am currently going through modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (I do not know) with Worldwide Processing Group, LLC (WA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Starting on Thursday XXXX XXXX, both myself and relatives have gotten calls daily from someone attempting to locate me. So far theyve called from : XXXX XXXX XXXX XXXX Same recording every time. Online searches show that its a payday loan scam, they say that you have a payday loan outstanding, and you have to pay up or face consequences. Related to this, I got the same type of calls two years ago, and ended up paying after the caller emailed me a validation of debt, which in hindsight was probably fake. 

I havent taken out any payday loans, but theyre insistent and say maybe you just dont remember. I literally have not taken or borrowed any money, yet these phone calls from scammers just fall out of the clear blue sky for no reason, known to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (IL).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/2015 XXXX fraudulent charges were made to my Rushcard. My card was then blocked by the company but I was never notified of such charges. I only found out because I tried to use my card at the grocery store and at that time found out it was blocked. I checked my balance and found that I had much less then when I checked. It earlier that morning and came across the charges. I have been trying to resolve the matter since then. I have been in contact with Rushcard for the past 2 days and they are telling me that their system has been down and they can not help me until it comes back up. So until then I am without my funds and can not pay any upcoming bills I have due their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2015 about Debt collection (Medical) with JLU Asset Management Group LTD (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The first call I wastold about owing the debit. I questioned the debit and requested an invoice. The collection agency then gave me a number to call to find out more about the debt. The number was to an over seas call center who informed me they could not send me an invoice because the invoice would be marked as paid. I then call the vendor ( XXXX XXXX ) who indicated that I did not owe anything to them and they did not send it to collectiona. The vendor called debt collection and took care of the matter. A month later I received another call from this collection agency on the same debt. I indicated I did not owe this, the vendor does not think I owe them, and to stop calling me. I was then told that they would decide the matter for me. When this collection agency calls it is a robo call and even if you answer the phone they just give a recorded message to call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Voss & Klein, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: VOSS AND KLEIN COLLECTION AGENCY REPORTS TO THE CREDIT AGENCY AN ACCOUNT THAT WAS PAID ALREADY. 
THE ACCOUNT WAS LATE 30 DAYS AFTER THE FIRST INVOICE ISSUE ON XX/XX/XXXX, THEREFORE BY LAW IT SHOULD BE OUT OF MY CREDIT REPORT 7 YEARS AFTER XX/XX/XXXX WHICH IS XX/XX/XXXX. 
THEY REFUSE TO REMOVE THE INFORMATION FROM MY CREDIT REPORT. THEY SHARE WITH XXXX, XXXX AND 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 08/24/2016 about Debt collection (Non-federal student loan) with NCS, Inc (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: In 2013 I had talked with Noll Collection they asked me questions about the debt asked if I had attended the school advised yes then that was it later few months I found out they tricked me into a verbal judgement and they have refused to send me letters of the debt nor have they sent anything about being served for a judgement! They have failed to give mini miranda on multiple times they have threatened that if I do not provide my employer info that they will take any action that they can and hung up on me- They have been rude and unwilling to work with!

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has repeatedly sent this response to me- '' Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. " I snt the following to them CONFIDENTIALEquifax Security DepartmentFAX XXXXTotal Pages : FROM : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXDOB XX/XX/XXXXXXXXH XXXX XXXX cell XXXX XXXXXXXXXXXXSUBJECT:1. Correct my address. Delete XXXX XXXX XXXX. There has NEVER been an apartment. It is a home. 
2. Correct employment to : XXXX XXXX XXXXAttached:1. MI driver 's license2. Homeowners policy3. Utility BillAlso- Delete the address XXXX XXXX XXXX , XXXX , MI XXXX. I have never lived there. This address was reported to you by XXXX. It was the address used by the thief that stole my identity. 

Please send updated report to me email or hard copy.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filing this complaint because Equifax has ignored my request to provided me with the documents that 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. Please resolve this manner as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Within the last  six  months, I 've switched my loan service from  XXXX  to  FedLoan Service. T hese were all Federal Student Loans and I applied for the  Public Service Loan Forgiveness Program  ( and I was approved ). After making on time payments, I realized they were not applying the payments to this program ... stating that I did n't qualify but no explanation why. The only reason I switched loan services was so I could qualify for this forgiveness plan as I 'm a 20+ year employee of a qualifying place of employment. Please help?

Company response to consumer: Closed with explanation