milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (AR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I 've been looking into my credit reports daily. Mainly because I 'm tired of being contacted by different companies regarding the same medical bills when I ha2d insurance coverage.They have noverlapping accounts on my credit reports. For example XXXX XXXX ( orginal creditor ) sold my account to XXXX XXXX, so why are they both contacting me. And AMCOL SYSTEMS INC is continuing to attempt collections on dates of service that matches PROFESSIONAL XXXX along with identical monetary claims. I 've been told by AMCOL SYSTEMS INC If not paid asap that I would go to jail. They are claiming ammounts of upwards of {$8400.00} for an XXXX visit. They 're are collection 's for services rendered when I was not within XXXX miles of the area. I 've had my state tax returns garnished, then there it is listed on an open account. It 's outrageous that the burden of the proof be on me when companies like these are ruining my credit by using illegal tactics such as fraud, then violating my rights as an American citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: What can I do about continued and unending harassment by Bank of America. I am told I am 4 months behind in my mortgage payments due to an issue with unnecessary forced place insurance even though a policy was in effect. Each time you call you speak o a new person and they wo n't meet with me. I have sent them copies of all payments and I am still told I am 4 months behind. Latest call was today. Is there a human I can talk to. I have been harassed for 2 years and have suffered XXXX problems. I wrote to he CEO with no response. What can I do???

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 02/14/2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This is my 2nd complaint with CFPB against XXXX XXXX. My original complaint was closed and XXXX XXXX provided the attached information in response to my complaint. The information they supplied Doesnt Belong and i have no connection to XXXX XXXX which further shows star did not research my complaint and only supplied anything to have it closed. I will escalate this issue further if i have to because it is clear XXXX XXXX does not ensure customer privacy or care about their customers. 

Below is my complaint : I have been a XXXX XXXX Customer for about 13 years. During the course of those 13 years i have gone on 7 XXXX. During the course of those XXXX to XXXX and XXXX there have been times i have had no access to computers or a store location to pay. SCRA benefits have never been applied to my account during these times.

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 07-03-2015 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a XXXX that has been XXXX in XXXX, Ohio. As an XXXX at XXXX XXXX University, I was involved in a XXXX and needed money mid-semester to pay for doctor 's appointments, books, parking, and transportation. I could not take a direct loan out mid-semester so I was forced to take a private loan to continue my education. I took out a {$15000.00} loan that is through American Educational Services. I did not know that this loan would not be eligible for the XXXX forgiveness program. 
I graduated XX/XX/XXXX, and took a job XXXX for XXXX XX/XX/XXXX. I have worked there ever since. I recently applied for the {$5000.00} XXXX loan forgiveness and was rejected. I meet every requirement there is : -XXXX for XXXX years full time-Never missed a payment-XXXX that is listed in the XXXX currently have a balance of {$17000.00} on my American Educational Services Loan and do not have any private loans. I am a very successful XXXX, who has earned some of the XXXX in Ohio for the last XXXX years. I was relying on this partial loan forgiveness so I can one day have the American Dream of owning my own house. I not only get payed 75 % of what XXXX earn, but I also will have these student loan payments for the next XXXX years. 
Why ca n't my college loan be eligible? Is n't the point of the XXXX Loan Forgiveness Program to reward and recruit successful XXXX? Should n't prospective XXXX be informed about the differences between private and direct loans? Should n't students be able to take direct loans out mid-semester when life throws them a curve ball? 
I just want the loan forgiveness that the rest of my co-XXXX have received.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I noticed on my credit report that LvNV funding LLC has that I owe XXXX this account does not belong to me and I 've disputed multiple times. They have n't gotten in contact with me either.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I filed Chapter XXXX bankruptcy in XX/XX/XXXX. The case is still ongoing, due to be discharged in XX/XX/XXXX. The case is XXXX. I keep getting harrassing phone calls threatening to sue me, ( I saved one of the voice mails ) and emails detailing how they are going to sue me and I am liable for attorney costs, and giving an amount. Even though I have repeatedly told them these debts are included in the bankruptcy, and even copied my attorney on the emails, they still keep contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my XXXX report, Net Credit as of,XX/XX/XXXX, is listing my account as being closed on XX/XX/XXXX and reporting the account as closed/charge-off. However, all other reports have shown that the account was closed/sent to collections in XX/XX/XXXX. I entered in a payment arrangement with Net Credit in XX/XX/XXXXand agreed to pay {$170.00} per month for 61 months. I have been paying said amount since XXXX. On XX/XX/XXXX I received an email from Net Credit offering me another payment plan of {$170.00} for 55 months. With my account now reporting that it was closed on XX/XX/XXXX - I find it peculiar that I received that an email 2 days before asking me to enter into a new payment arrangement. With the new reporting date, Net Credit is purposefully try to re-age this account to keep it on my credit report a year longer than it is supposed to be. Net Credit with it 's obscene interest rates and predatory lending practices has already wreaked enough financial and emotional hardship ( to include almost making me lose my job ) that at the very least they can correct their reporting to the credit bureau. I would also like to ask the company to remove the charge-off status on my report. I am in the process of trying to refinance my home to pay for the extensive medical care that my XXXX year old son needs. He has a XXXX XXXX XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ), and his medical bills are mounting. This charge off status is not allowing for the refinance to happen and is literally going to cause my child to miss out on the medical care that he so desparately needs. While I doubt this company cares about the health of my child and or my circumstance, it would be life saving if they did.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (Medical) with Medical Data Systems, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical revenue Service is attempting to collect a debt I XXXX do not owe. This debt was settled by XXXX Insurance company and I was told by them I do not owe the bill. The Ac # XXXX XXXX XXXX XXXX XXXX Date : XXXX/XXXX/2015 Balance {$4200.00}. Supposed debtor XXXX XXXX. I do not owe this bill and I am continually being harassed by both XXXX XXXX XXXX and their collection agency Medical Revenue Services. We were told on numerous occasions by XXXX Insurance that we do n't owe this bill. This bill appears on our XXXX Insurance Account as nothing owed. I do owe a balance of {$2200.00} which I have been paying {$100.00} a month on that balance. In the latest collection threat my outstanding balance latest {$100.00} payment was not credited. Medical Revenue Service combined the outstanding balance I owe ( {$2300.00} less {$100.00} ) with the outstanding balance I do n't owe ( {$4200.00} ) for a Total Amount Due of {$6.00}, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ConServe (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am writing to report an action of a company. The company Conserve they are handling a debt I owe. I 'm writing this because I was treated unfairly. I was never given a notice. Which in this notice states I has the right to challenge or make a payment arrangement. Some how they sent the notice to wrong address I have n't lived in in years. I contacted the original debtor. I told me they did have my correct address. I informed the company Conserve sent the notice to my old address. I said they had the new address for awhile. The biggest problem is when I informed Conserve. That i never got the notice. I was meet with attitude and bad business ethics. Conserve said it was my fault they had the wrong address and not their in a very angry and discomfort way they told me. As if they was saying we do n't care what we did. The confusing is Conserve some how had my current employer address correct. But had my current address wrong. I started working for this company while after I moved. It seems to be Conserve did this so I could n't fight the claim. I would n't had thought this if someone would had said sorry we had the wrong address. But instead they made it seem like it was my fault trying to be little me or bully me into saying nothing. I felt a lot of discomfort. I felt I like I just got bullied into something and had not control. Cause I was never given my right to settle or make a payment arrangement. I told Conserve they they do n't show up on my credit report. They informed me that they would n't show up. This is what scarred me an outside party is collecting something and there is no paperwork on my credit report of them. I felt like i was be even more bullied. And that the none notice was intentional to collect on a debt before I could stop it. I filled out all their requirements to have the debt lifted. I was told I could fax it in so I did. They said they sent it off to the original debtor to go over to see if the debt can be lifted. I was told I could send in extra information. I sent in extra info later. So I called and was informed they they do n't know if the extra info would be used. They just told me that it would be. So I ask is it a way I can check on it. They told me no. That they do not know who is handling the debt. They just sent it off and wait. I have no clue if they really sent it off or not. They had my address wrong and something do n't seem right. I do n't trust them. They said it can take two months to hear something. I do n't feel it really takes that long or they just stalling. I just feel helpless and looking for some help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Medical) with MST Financial Services, L.L.C. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I Provided XXXX insurance cards at time of service, returned to XXXX provided second copy of insurance, called XXXX three ( 3 ) times leaving voice mail requesting a call back. Emailed XXXX ( A Division of MST Financial Solutions, LLC ) once ( 1 ) via their website and called leaving voice mail twice ( 2 ). Did not receive a response from any attempts to contacts XXXX or XXXX After repeated disputes with XXXX on this issue, I finely received a call from XXXX. I informed XXXX of all stated above and that XXXX failure to bill in a timely manner if at all does not make this my responsibility and demanded that this be removed from my credit report. XXXX informed me it 's my burden to provide proof of coverage, which I sent yet again. I expected this to be removed from all XXXX credit agencies and they have taken little to no action to remove their fraudulent collections attempt besides sending me a letter stating they would.

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 07/27/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Credit decision / Underwriting

Complaint: I 'm filing this compliant against Ocwen Loan Servicing , LLC, I submitted a modification package to have my loan amount and payment reduced due to financial hardship and because the house had dropped roughly XXXX %, my modification was approved in XXXX 2015, but the loan amount was escalated to {$290000.00} from {$110000.00}. I felt rushed to accept this deal, so I would n't lose my property. Please investigate the financial structure in which the loan was underwritten and other stipulations in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Fifth Third did not apply the funds properly to my house payments and {$5400.00} came up missing on XX/XX/XXXX i applied for the save the dream hardest hit funds to save my house and was accepted. XX/XX/XXXX save the dream payed a lump sum payment to fifth third bank then monthly payments till XX/XX/XXXX this i was told would pay me up to date with fifth third bank. that was not true fifth third bank did not pay all my escrow from all the money they received from save the dream funds and now fifth third bank tells me i have to pay for the missing Money of {$5400.00} lump sum or my house payment will increase {$630.00} for 12 months over top my regular house payments of {$1000.00} always included escrow increase to {$1600.00} for 12 months fifth third bank also told me 30 day before i had to start paying my house payments again i could apply for a loan modification to help me stay in my home once again not true XXXX XXXX office from fifth third bank called me wanting me to back out of the modification i told them no i was told that my house payment was going up {$630.00} more a month and he could not explain were the {$5400.00} disappeared at fifth third bank and sense they raised my payment from {$1000.00} to {$1600.00} i was told that he appreciated the over {$30000.00} that was paid to keep my home i was told if i could not afford the {$630.00} increase to get out of the home wanted to throw my family out on to the street XXXX scamming poor people and the state of Ohio by getting large sums of money pocketing some of the money then raising there house payment much higher and then throwing them out of there home with little or no intent to keep people in there homes. ( even though XXXX got there last pay XX/XX/XXXX my math i am paid up till XX/XX/XXXX?????

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit reporting () with CORELOGIC INC (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I applied for a car loan with XXXX XXXX on XX/XX/2015. Which they did a hard inquiry. Checking my credit report after that, because I changed my mind to trade my Jeep in. I saw Credco did another HARD INQUIRY! On XXXX XXXX, 2015 for XXXX used Cars XXXX XXXX XXXX ( XXXX ) XXXX. I DID NOT AUTHORIZED THE SECOND INQUIRY ON XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Auto) with BB&T CORPORATION (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received phone calls from Regional Acceptance four to five times a day! Sometimes even more than that. Over the past few days they have called at least twenty times and from several different numbers. This includes calling and hanging up right after. They even called me 4 times within an hour! I ca n't answer the phone most of the time because I 'm at work. They will call all the time. I 'm behind on my bill but they did n't honor an agreement made. I made a payment recently online and saw that they are still charging me for XX/XX/2016. I have paperwork stating that it is pushed to the back of the loan. I have had harassing calls in they past from Representatives, supervisors, and managers alike. It got so ridiculous I had to speak to a branch manager. This company is very unprofessional and they do not honor their agreements. I 'm a single parent and had to deal with many hardships when I got my vehicle financed through this company. I have tried my hardest to play catch up but XX/XX/XXXX I took a pay cut. When trying to pay up my balance XX/XX/2016 that also became another issue with multiple problems. I kept getting quoted different amounts and no one could give me a straight answer. They tried taking a payment and it did n't go through. When I called to find out how I could resolve the issue they said oh just pay x amount and then I wo n't have to pay XX/XX/XXXX. Completely differen again from what I was told days before. And I did pay. Now they are n't keeping their word. I do n't trust this company or the workers there. I do n't know what to expect while I 'm on the phone with them. Majority of the time I 'm met with hostility and do n't feel comfortable speaking to anyone there.

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 Debt collection (I do not know) with Convergent Resources, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account was a result of fraud i have filed a police report and ftc identity theft affidavit has been notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (HI).
Issue: Loan servicing, payments, escrow account

Complaint: I am a veteran XXXX service man ; service number XXXX. I already have a CFPB complaint account number XXXX against Wells Fargo Mortgage. I was not aware until recently that there was leverage on a complaint for service men. I am also XXXX in that I lost my XXXX. Type or written communications is best for me as my XXXX is severely affected. 

Past dealings with Wells Fargo MortgageXXXX persons has been very very difficult because of my XXXX and because of their illegal/immoral practices. These practices in the past have already been reported. Wells Fargo Home XXXX continues to be the servicer of my mortgage in spite of a legal request that they or their assigns not be the servicer on my mortgage because of illegal/immoral practices. 
Wells Fargo Home Mortgage initiated participation in the sub-prime mortgage lending condition which caused the financial crises from XXXX forward to the present and which diminished and eliminated the qualifications my wife and I had in place to secure the mortgage and to amortize it " better than agreed '' as contracted. They participated in the reduction and/or removal of the methods we employed in making a living. Our employment was based upon retail market earnings and largely from spending of the majority of others who were also affected by the financial trauma of the failed mortgage backed sub-prime lending scheme. As others failed so did we outside of our cause of it. Having our income fail and having Wells Fargo Home XXXX and Banking force other expenditures upon us insured a future foreclosure. That foreclosure has not happened even while Wells Fargo Bank and Home XXXX was assuring ourselves and thousands of other we would at their benefit. 
Wells Fargo Bank has attempted to illegally abscond with my money since XXXX and that was the reasons I change banks. My notice to escrow that Wells Fargo Bank/Home Mortgage and my attempt to refinance was to remove ourselves of any influence of them. 
Current legal problems under the subject title of credit card scamming with the U.S. Government adds evidence that Many others and myself are innocent victims. Included is the most recent information that the state of Illinois is moving toward blocking Wells Fargo from doing business there. I do n't foresee that Illinois will be alone in this endeavor. Other banks are also creating real distance from them. Wells Fargo has been sued and has paid fines in the billions of dollars and yet I know of no consumer who has had their Wells Fargo indebtedness released and/or reduced to zero without legal assistance ; another expense.

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 04/27/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm filing a XXXX complaint against Equifax today arising out of their refusal to remove a XXXX tax lien that was withdrawn by the IRS, which it is now falsely reporting as active. 

( My XXXX complaint is case # XXXX XXXX involves XXXX lien that the IRS withdrew. A copy of that withdrawal is attached for your reference ). 

The IRS withdrew a XXXX lien. ( See attached copy ). Per the attached notice from Identity Guard, received today, Eqiuifax is now falsely reporting that this lien is active. ( See attached ). 

Please help.

Company response to consumer: Closed with explanation