milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received a missed call to my business phone number on  XXXX / XXXX /  XXXX   at  XXXX   XXXX   XXXX   from  XXXX   XXXX   XXXX   XXXX . They did not leave a message.     Received another call to my business phone number on  XXXX / XXXX /  XXXX   at   XXXX   XXXX   form  XXXX   XXXX   XXXX   XXXX . They did not leave a message.     I called the numbers back from my personal cell phone to find out who the calls were from. Both phone numbers picked up with an automated system for  " ECMC ' s default management. '' On my phone call to  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX /  XXXX   at    XXXX   XXXX    I was connected with a representative. The representative asked me for my personal social security number or account number and I let her know that I was calling because I received missed calls. She asked for the phone number that they had contacted and I let her know that it was the business phone.     She gave me the name of someone that I know and I let her know that the number they reached was the business line and that the person that they were trying to contact was not allowed to take personal calls at that phone number and to please make a record of that fact.     She pressed on and told me that they were attempting to garnish this individual 's wages and that they were going to file a non-compliant employer for my company at the address  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX . I told her that I was not associated with that address. She asked for more information, but I told her that I was not at liberty to provide any information and asked that it be recorded that the person their company was trying to contact was not allowed to take personal calls at the business phone number.     I feel that I was given private information about an individual that violated their privacy.     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 02-09-2017 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: I had XXXX Bank of America savings accounts. Both had a XXXX in them, and I really did n't check them very often. I checked XXXX last week because I noticed the balance looked lower than it was before. It turns out that since XX/XX/XXXX, Bank of America had been charging me a $ XXXX monthly maintenance fee. They said to avoid the fee I could have a balance of over {$300.00}. I was annoyed that I was being charged the maintenance fee since XXXX and only just now realized it, but it was n't a big deal to me as long as the fee stopped from now on. Yesterday, I checked the account to find another {$5.00} maintenance fee. This time, I called Bank of America because I did not even want the savings account anyway. I spoke to them, told them it was dishonest to charge this fee without letting me know, and that I wanted to close the accounts and get a credit for the fees since XX/XX/XXXX. The customer service was incredibly nice and helpful, closing the accounts as I requested - but they said only the fee from yesterday could be reversed. I 'm a little annoyed about this and why I was n't informed, but they said they informed me on my statement XX/XX/XXXX that charges would start taking place after XX/XX/XXXX. But first, charges did n't take place until XX/XX/XXXX ( they said there is a 3 month grace period ) ; second, it was on the very last page of a XXXX-page statement ; and finally, I do n't actually read my statement because I do paperless statements so there 's never a reason to do it. To make things worse, they had actually changed my checking account a few months ago and sent me a specific email saying they did that. Why did n't they do the same for the savings account? Customer service implied that the regulations say they have to do that for checking accounts but not savings accounts. That is dishonest and a terrible way to do business.

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 02/28/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (PA).
Issue: Trouble during payment process

Complaint: I wish to complain Shellpoint Mortgage & XXXX, XXXX, of Fraud in the servicing of my Home Mortgage product, Loan # : XXXX that I purchased in 1995, located at XXXX XXXX XXXX , XXXX Pa XXXX in XXXX XXXX , Pennsylvania , under the 010 Pa. Code 48.3. And the Federal Laws of the Fraud Enforcement and Recovery Act ( FERA ) enacted in 2009.

I am complaining because major Federal laws were violated by my mortgage servicers under RESPA Violations and Foreclosure ; 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow accounts, and they continue to get away with fraud and financial exploitation. To date, Im still waiting to obtain information of the actions taken by CFPB since federal laws are violated in my case before the services of your good offices. The companies in my case have failed act on their own solution/s you requested from them that they provided CFPB with working solution within the letter of the laws given my case concern/s what I see as a fair remedy that is part of the record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: i was put on XX/XX/XXXX hurricane financial assistance relief with XXXX XXXX credit card division of first national bank of omaha n instead of assisting me they close my account down as was not receiving statement as claim and they refused re open account n correct all deliquencies, they claim i so called owe XX/XX/XXXX and XX/XX/XXXX bill when was not getting paper statement they claim were mail out XX/XX/XXXX i paid XXXX XXXX dollars n instead of getting a paper statement claiming i owe for XX/XX/XXXX XXXX XXXX dollar n was hit with a XXXX XXXX dollars late fee then they sent me a bill for XX/XX/XXXX in amt of XXXX as i wasn't getting statement of bill they claim they sent me as want them strip of banking n credit card privilige and violating the hurricane disaster relief law of XX/XX/XXXX plus i was told i didn't owe anything till XX/XX/XXXX and instead i being lied to n account was shut down n not corrected as promised

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 10-02-2017 about Debt collection (Medical debt) with Russell Collection Agency, Inc (KY).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: on my credit report RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Opened XX/XX/XXXX ( 5 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX I was n't in XXXX mi. only in XX/XX/XXXX untill XX/XX/XXXX and i never had XXXX work done an never when to that place. there was a XXXX man name XXXX XXXX XXXX they stolen all my stuff birth cer. my daughters birth cer. my medical records on my health problems and more and there is changers on my credit report i did do from XX/XX/XXXX till now and i do n't know them people using my sscard or my identie but i am for sure XXXX XXXX are doing it

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 02/29/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In XXXX 2016 I applied for income based repayment specifically Pay As You Earn on loans entering repayment through my provider Nelnet. After 20 days I called and asked about the status they stated that I did n't submit XXXX forms of proof of income which is not stated on the application for income based repayment. She told me that she would put the loans into forbearance for me so that nothing would be due until XX/XX/XXXX giving them enough time to process the application. In XXXX 2016 I receive a statement for several thousand dollars. I called Nelnet once again and was told that half of my loans do not qualify for XXXX and would be placed on a different income based repayment plan. Again she said she would put an administrative forbearance on my account so that nothing would be due until XX/XX/XXXX giving them time to process a second application that I was told to submit. She stated that my first bill would be due in XX/XX/XXXX for {$200.00}. Last Friday XX/XX/XXXX I received a call from Nelnet 's collection department telling me that I was a month past due on a nearly {$5000.00} bill. I explained everything I had been told in the past and pulled up a recent statement I had gotten that said payment was n't due until XX/XX/XXXX. She placed me on hold for 10 minutes and then returned saying that the reason I had a bill was because I had n't renewed my income based repayment plan. I explained that it had n't even been a year since I graduated and my grace period ended in XX/XX/XXXX. She was confused and put me on hold a second time for 10 minutes to speak to a supervisor. When she returned she told me that there were several notes on my account and she needed them to be processed and she had passed on my account to her supervisor. I confirmed with her that I was on forbearance until XX/XX/XXXX and that I would n't be paying {$5000.00} monthly. She confirmed that was the case. Prior to speaking with this particular agent I did some research myself to see why some of my loans were not eligible for PAYE as well as finding out if I could switch providers considering my troubles with Nelnet. In that research I discovered that if I consolidated my loans they would all be eligible for PAYE and I could switch to a different servicer. I 'm at a loss for why Nelnet had not previously discussed this option with me as they are tasked by the Department of Education with providing basic services such as loan counseling. I 'm also at a loss to describe the anger that I have since my loans have continued to accumulate interest due to Nelnet 's lack of communication and untimely processing of applications.

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 06-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Municipal Services Bureau ( MSB ) is attempting to collect a debt that is erroneous and not owed. I have filed complaints with the CFPB on this issue before, but it has not been resolved. In numerous exchanges with MSB, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. Specifically, MSB is in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XX/XX/XXXX-XX/XX/XXXX would be barred by the statute of limitations under California Code of Civil Procedure sec 338. MSB is aware of this fact and is acting tortiously and harassing me. XXXX XXXX of XXXX vs XXXX, XXXX. Court of Appeal XXXX District. There is a 3 year statute of limitations. I sent a letter to MSB directly with this information, and at about the same time I started receiving one or more phone calls listed with " No Caller ID '' almost every day. I will not answer these calls, but given that MSB has demonstrated a gross lack of regard for the FTC 's policies, I strongly believe that MSB is behind these phone calls. As such, I believe that MSB is now not only in violation of the FTC debt collection harassment rules, but is also in violation of the Federal Communications Commission 's ( FCC ) policy regarding caller ID spoofing. Under the Truth in Caller ID Act, FCC rules, 1 ) prohibit any person or entity from transmitting misleading or inaccurate caller ID information with the intent to defraud, cause harm, or wrongfully obtain anything of value, and 2 ) subjects violators to a penalty of up to {$10000.00} for each violation of the rules. I am documenting the day and time of each phone call. If MSB is behind these phone calls, they are also continuing to violate the FTC 's debt collection harassment policy. Especially, considering that MSB has, in writing, stated that they will no longer contact me. I strongly urge the FTC and CFPB to investigate MSB 's debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: AMCA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX, NY XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMCA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMCAor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, SC 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 02-08-2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: medical data sy XXXX Debt was so to this collection agency by the XXXX XXXX XXXX XXXX in XXXX, Florida. This hospital was recently named the most overpriced hospital in the nation by one national study. They charged tens of thousands of dollars for a minor procedure that costs only a couple of hundred dollars. My insurance paid the fair amount ; I refused to pay any more. We filed bankruptcy prior to this occurrence, but this debt was also supposed to be included as it was within a certain time limit. For three years, they have been hassling me. Please help make it stop.

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 06-07-2016 about Debt collection (Mortgage) with BAYVIEW LOAN SERVICING, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Mortgage company, Bayview Loan, are sending me statements and increasing my mortgage stating they are escrowing my tax. I pay my own taxes and can show it. One month they created a credit card on my profile at the town of XXXX website and made two payments on my taxes without informing me and then I paid these taxes as well. As a result there was an overpayment. I complained/spoke with the town of XXXX tax collectors office and set up monthly payments to the town of XXXX for my real estate tax. The town of XXXX reversed the payment that Bayview made, however Bayview is sending me statements charging me for taxes they anticipate they will pay ( even though I sent them a letter stating I do not want them to pay my taxes ), and are continuing to charge me escrow and increasing my monthly mortgage saying they are paying my taxes, when I am already paying them myself.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Student loan (Non-federal student loan) with Troy Capital, LLC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: i signed up with XXXX to take classes on line for my XXXX degree.iwas given a loan of XXXX.i was never able to contact any one from the school for assistance or questions regarding my classes, also i was never able to pass any of my exams.i made multiple attempts for assistance but not able to get any.the cost of degree promised to me turned out to be astronomical with hidden fees and no one to contact at college network.doing so i stopped paying loan given to me by XXXX.at present i am being contacted told there is a judgement against me for non payment for something i did not benefit from.i have spoken to other XXXX who verbalized that they have had the samep roblem sign up with the college network get a loan from them and not able to get any assistance thus leaving us with a large loan and no repay with no degree to show.the name of the school is college network the name servicing the loan is troy capital llc XXXX florida.the XXXX which is permanently closed a class action is being taken by them since 2014 i am one of their individual who signed up for their classes.i would greatly appreciate a response to my petition for help.i truly feel i should not have to pay back this loan due to college network incompitence and multiple complaints made all over the united states.forced to pay back a fraudilent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been fighting with the former XXXX XXXX, now Navient, student loan servicing for over a decade. My loan ballooned from late fees tremendously during this time period and has increased my payoff time by at least 5 years. In light of this new class action lawsuit, I would move for all or part of my Navient loans to be forgiven. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo foreclosed my duplex and the {$140000.00} + cash payments I mailed to somebody from 1987 - until Wells Fargo returned XXXX checks in a row When I had really missed only XXXX payment trying to figure out what was going on they set a sale date. I was able to cancel the first XXXX. 
They repeatedly called a 'postponement ' The modification offered was for more money and higher payments We attempted to extend the term to reduce the payment but we mailed payments anyway -all were returned Filed bankruptcy they were granted relief Attorney valued property at XXXX. 
{$130000.00} paid - {$53000.00} balance is {$78000.00} I was able to reduce the insurance by {$260.00} ( {$110.00} refunded to them ) Wells Fargo returned my last payment after they received the insurance refund Reported {$62000.00} market value and {$53000.00} 'balance to the IRS I provided my XXXX lease agreements of over {$1000.00} They sold it a year later with a {$91000.00} mortgage. 
( I believe the remaining balance is included in the modification on my house my taxes and insurance have increased to about the amount due on the duplex -? 
My house mortgage continues to increase. 
I also believe adjustments have been made to the balance with money going to a different lender ( XXXX XXXX XXXX mortgage ) on another property I already paid off The way I see it Wells Fargo owes me {$91000.00} I paid to escrow as MY proceeds {$78000.00} -the amount I paid over the mortgage balance - the value And {$62000.00} the value reported to the IRS. - ( and my rental loss since foreclosure )

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 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: According to the report, I have XXXX accounts that were closed as derogatory which I have no knowledge of. I did n't open or close any of these accounts.

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