milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Strong arm Lender Placed Flood Insurance, suspicion of wrongful conduct by by Bank of America Home Loans XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. Bank of America has forced Flood Insurance premiums for insurance on a residence that according to revised FEMA flood mapping is well above the 100 year mean high water flood stage and additionally, the residence is well above the 500 year flood level indicated on the FEMA mapping. We are consistently having trouble communicating with Bank of America Insurance Department. We have sent documents from a local Professional Licensed Surveyor and have sent FEMA mapping indicating the same. Curiously, B of A reports never having receive the paper work after sending the same many times. Our attempts to follow up on these issues typically result in B of A requesting that we re-send the documents or forms in question or passing us from one B of A employee to another that lack any common sense or authority for several hours at a time. Bank of America has decided to charge our family excessive ( XXXX XXXX XXXX ) insurance fees to my line of credit and upset our monthly home payments. We have had nothing but trouble with Bank of America since Countrywide was purchased by Bank of America. Bank of America truly should not be able to wear the moniker " AMERICA ''. 
Our desired resolution would be that, Bank of America accept our professional licensed land surveyors professional judgement that our residence remains higher than the 100 year flood mark and well above the 500 year flood mark as it has for the last 25 years. Funny, thing is our county will not let a person build in the 100 year flood plain and it has had these county rules for at least the last 25 years.

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 05/23/2015 about Debt collection (Medical) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this debt. I have rechecked my dates that I was covered by my parent 's policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parent 's policy in XXXX XXXX. 
On turning the age of XXXX, it became my secondary policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 
All payments for health care services had been compensated for via insurance. I do not own any medical debts, I even had additional coverage in my employment package. Please note this to my prior entry I do not owe this debt. 
On turning the age of XXXX, it became my secondary policy and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am XXXX and have always paid off every loan I have received. All except the one I have with XXXX XXXX / Navient. I plan to provide information and patterns that show that this company is predatory and misleading in its actions. One question embodies this accusation. Why at the age of XXXX do I still owe the majority of my balance? My account history shows reflections of how I was lead into debt even further. No logical human would ever go down this road. 

This company has made payment information so unclear and unobtainable that it has steered me toward multiple misleading forbearances. I would like to be reimbursed for these dates where they effectively manipulated me and which shows up on my account history. 

I plan to provide all necessary information to all agencies that are filing lawsuits against this company and doing so myself. In the end, I want to repay my loan. I may have already fulfilled that loan repayment. I am not looking to turn away from this responsibility and can provide a flawless history of repayment to others. You may look into this yourself. I am now requesting that they settle on a reasonable plan to pay this off immediately.

I must come to an agreement with them. Not one that benefits Navient but one that ends this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Had me waiting for hours just to get a direct deposit form which i did not get they had employees walking around doing nothing not even XXXX offered help this is a disgrace if they ca n't operate this branch the right way might as well close it down!! I will never go back and will for sure let people know how horrible they are. Worst experience of my life i hate this bank I 'll stick to 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 11-01-2016 about Debt collection (Auto) with Roosen, Varchetti & Olivier, PLLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Accounts Account Name Account Type Open Date Status Balance XXXX Auto XX/XX/XXXX Closed {$300.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 42 Months Monthly Payment {$250.00} Responsibility Individual Balance {$300.00} Highest Balance {$7100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX Amount Past Due {$300.00} Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Returned voluntarily Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details XXXX XXXX XXXX XXXX, MI XXXX Above I have sent my credit report on the issue regarding to my voluntary repossession in XX/XX/XXXX. Now in are present date my checks are still being garish ; as u seen above it stated that my last payment was on XX/XX/XXXX which is not current cause my employer pays me weekly. Also my balance say {$300.00} and previous my check on XX/XX/XXXX was garish. If my paid weekly and last payment was XX/XX/XXXX I 'd over paid and still getting my checks garish.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied to have my student loans taken out off default and most of them were rehabilitated. However, {$6000.00} worth were not. I call navient on many occasions looking to resolve the issue but it never happened, and I continuously received misleading and confusing information. Now I am unable to have access to my transcripts due to a hold and just received a letter requesting full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Medical) with Complete Collection Services Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive a medication at XXXX Hospital located in XXXX, NJ. I have been receiving the drug there since I stopped going to XXXX medicine in XXXX XXXX for the same reason for the same reason. XXXX, the company that manufactures the drug placed me in an assistance program that gives me the drug called XXXX for free. XXXX hospitals send claims for the drug to my health insurance making claims as if they purchased the drug in their own pharmacy. XXXX medicine has already sent my bill into collections even though I have made many attemps to resolve this issue by getting funds from drug copay assistance programs, that they refused to accept. XXXX hospitals wait until a year later to inform you that you owe them money which I had no idea about because I thought that I received the drug free through XXXX, the company that makes the drug. This process has been a nightmare. The do n't even want to resolve the issue when XXXX calls to discuss the issue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: My credit score dropped from XXXX to XXXX onXX/XX/XXXX for no apparent reason. I found out onXX/XX/XXXX that there was an old debt with XXXX card that was ressurected from the dead on my 3 reporting agencies. On XX/XX/XXXX I settled the debt with XXXX card for {$2000.00} but my credit score has dropped to XXXX.My credit scores with XXXX and XXXX have been restored but not with transunion. The information I have just stated can be proved with XXXX card at XXXX XXXX XXXX. I appreciate your cooperation.

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 06/30/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: One of the addresses on my report ( XXXX XXXX XXXX XXXX, KY XXXX ) is incorrect. I do not reside there, nor have I ever lived anywhere near KY. Please see report attached, and have it removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: VIOLATES MY RIGHTS PLEASE LOOK AT ENCLOSED DOC 'S CRA, AND HIPPA RIGHTS POLICE REPORT INSIDE

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Management LP is a fraudulent company operating in TX that attempts to collect on non-existent XXXX XXXX XXXX payments. I complained about this to the XXXX and Credit Management responded that they would cease all collection activity and request that all XXXX major credit bureaus remove any mentioned of their fraudulent claims. However, Credit Management LP has failed to follow up and each credit bureau report still displays a negative unpaid account balance. This continues to hurt my credit score. Frankly, I should not have to spend time reaching out to each credit bureau to correct this. Lastly, I have a {$0.00} balance with XXXX XXXX XXXX and have had a {$0.00} balance since I ended service with them over two years ago.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (I do not know) with Money Investigations, Inc. (WV).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX has called my family about a loan for another family member and is very rude, called my mother crazy and needed medicine, called my mother in law whom is XXXX years old and told her she was a liar. He has called my brother and threatened him and called him a liar. Everyone hung up on him and he keeps calling back. We did not co sign for a loan and do not want to be contacted and have told him, but he does not care. Please stay away from this man.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Medical) with TekCollect Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I requested that the collections agency in question cease contacting me between the hours of XXXX and XXXX as I work during those hours, and it is disruptive to my work. 

I verbally requested this when I spoke with the company representative on XXXX/XXXX/2016. 

This morning, at XXXX I received another call from the company despite my request to cease contacting me during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a letter stating if I do n't call and pay them they were going to take legal action against me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Payoff process

Complaint: I had an account with Synchrony Care Credit. I was unable to pay for some time. I have been calling the Synchrony customer service in an attempt to resume payments or pay off the debt. Synchrony is refusing to allow me to do so because they are saying that the account is pending to be sold or assigned. This is holding me up from qualifying for a VA loan.

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 10/29/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (GA).
Issue: Making/receiving payments, sending money

Complaint: PNC Bank bought my mortgage and now they make me pay a {$7.00} fee to pay my mortgage online. This fee is unfair as I did n't have to pay it with my previous lender and is now an additional charge.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/17 a deposit in the amount of {$900.00} was made using my Mobil App. Right after I made the deposit I received an email from Capital One 360 letting me know that the Mobil deposit that I made was a fraudulent transaction and they will close my account. When I made the Mobil deposit my account had a negative balance of {$37.00}, the negative balance was cleared once the deposit was made, when I called the number displayed in the email they told me that once the amount cleared they have to wait until the check returns as a NFS and then they will proceed to close the account. I have called capital one almost every day to find a solution and answers to my questions, however every representative that I speak to tells me since this is a capital one 360 account their assistance is limited, they tells me that only a security department can assist me, but I ca n't speak directly with a representative I 'm transfer to a machine where I have to leave a voicemail with my information, which I do but I NEVER get a call back. When I ask fo the phone number so I can call directly the answer is that they can not provide me with their phone number.It has being three months and the funds still are in the account, the check has n't returned as NFS not only the funds are in the account but it is earning it 's monthly interest and on top of all my college funds were direct deposit in to the account and I ca n't have access to those funds either. I 'm very troubled with this situation, I 'm a student and a part time employee that trusted a financial institution to conduct my simple finances and without further explanation one day I 'm told that my account is restricted and I do n't have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Today I received in the U.S. mail my earlier requested " Equifax '' credit report to check for any " errors '' in it since " Equifax '' mass data breech of XXXX of 2017 in which over 143 million Americans had all their personal data hacked/leaked due to " Equifax '' well known sloppy  security procedures. 
And sure enough someone from the " XXXX XXXX, Minnesota '' has somehow falsely entered their address of " XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, Minnesota ; XXXX '' is unlawfully listed as one of my " Previous Addresses '' on " Page 5 of 44 '' as well as on " Page 44 of 44. '' I am the " Victim of Identity Theft. '' I have never even visited the State of Minnesota.

I work for the XXXX XXXX XXXX for the last 30 years and thus I have to live with the XXXX XXXX XXXX in order to continue my employment with the XXXX XXXX XXXX. 
This is NOT the first time this same " XXXX XXXX, Minnesota '' false address has been put into my " Equifax '' credit report. 
It first appeared about 16 months ago on my " Equifax '' credit report. And because of my due diligence I caught the sloppy security of " Equifax '' and filed a " Dispute '' complaint to " Equifax '' and " Equifax '' deleted the unlawful " XXXX XXXX, Minnesota '' address OFF my " Equifax '' credit report. 
Yet nearly 16 months later that same fraud " XXXX XXXX, Minnesota '' has once again appeared in ONLY my " Equifax '' credit report. This " XXXX XXXX, Minnesota '' has NEVER appeared on my " XXXX XXXX '' or my " XXXX '' credit reports. Never!!! It has ONLY shown up on my " Equifax '' credit report because of " Equifax '' sloppy computer security.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is intentionally reporting incorrect information and not removing items when directed by the creditor. I am in the process of filing a XXXX dollar law suit against Equifax. I recently disputed the XXXX XXXX account with Equifax advising that my payment history for this account is not correct. Equifax decides to complete the investigation on XXXX/XXXX/2015 which still shows the account as delinquent. Equifax could have not completed a complete investigation as XXXX XXXX sent Equifax notice to update the account on XXXX/XXXX/2015. Equifax has caused me damage and continues to be malicious in it 's handling of my credit file. Attached is a copy of the record that XXXX XXXX sent to Equifax to update the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Debt collection (Medical debt) with Experian Information Solutions Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I wrote a letter to XXXX XXXX to accurately verify the debt.I asked for the following to be provided within 30 days : * Current Balance *Date debt was transferred from original creditor *The current balance of the what the debt was bought for *Copy of contract I signed with the 3rd party *Any fee 's added by the agency Sec.392.303 ( a ) ( 2 ) *Texas Surety Bond informtion as required by Sec.392.101 I have allowed 30 days for this to be completed and there has not been a response from the debt collector. There is proof the agency received the letter on XX/XX/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 03/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Breach of Contract 1. I was approved for a HAMP Tier 1 Home Loan Modification back in XXXX XXXX, I followed all instructions as given to me. I signed and returned via fax the modification agreement that was supposed to be finalized. Ocwen did not fulfill their obligation under this agreement and I was rejected from the program due to no fault of my own. 
2. Ocwen alleges that they sent notification to me via certified mail but I did not receive the correspondence. The letter was notification that they needed proof that my home address was in fact my primary residence. 
3. I received a copy of this letter from Ocwen only in response to my initial " letter of complaint '' to the Georgia Office of the Attorney General 's office back in XXXX XXXX. The letter did have a United States Postal Service tracking number as reference of their attempt to deliver said notice. 
4. I tried to use the tracking number to see what results I would get and due to the lapse in time my results were limited. I contacted my local Post Office that would have made the attempt to deliver this notice and discovered some shocking results. 
5. Ocwen sent the letter from themselves to themselves therefore never being delivered to me. I have enclosed a copy of the letter as well as the tracking results I received from my local post office. This action by Ocwen is what has caused me to be rejected from the HAMP Tier 1 Home Loan Modification Program not any actions by me. Now Ocwen is once again attempting to foreclose on my property and the sale date is scheduled for XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Medical debt) with Eastern Account Systems of Connecticut, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This has been paid by insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Bank account or service (Checking account) with COMMERCE BANK (IL).
Issue: Account opening, closing, or management

Complaint: While on vacation my account became overdrawn. Commerce Bank charged my account with XXXX overdrafts in the amount of {$36.00} each. I only become overdrawn when my account was charged overdrafts fees When I returned I called the bank and the bank removed XXXX overdraft fees in the amount of {$72.00}. I went to the bank an deposited money in my account and was charged for XXXX more overdrafts. I called to ask why I was overdraw, because my statement never showed I was overdraw, only when the bank charged me for overdrafts. I was told I had a debit at one time that was pending and that made me overdrawn. Then I recalled I had given the hotel the wrong credit card for my room, which I corrected within a hour. I was told they have the right to do this because the amount was pending even thought it never went through. How can a bank charge for overdrafts when money is never taken from your account. 
XXXX

Company response to consumer: Closed with monetary relief