milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Debt collection (Other debt) with Hillcrest Davidson & Assoc (GA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/2017 at approximately XXXX XXXX I contacted Hillcrest Davidson & Associates regarding a fraudulent item being on my credit report the young lady transferred me to her manager who then found my account and sent me back to the initial young lady I began to explain to her that I was a victim of identity theft and I had already went through the process of filing a FTC report and police report. She began to yell at me and said if I want her help I would listen and said she was n't gon na help me get the item deleted off my credit because I corrected her for her offensive language and the tone she was yelling. I stated to her that I would be filing a complain and she said she did n't care and hung up the phone in my face leaving me without any assistance and basically no hope in ever rectifying the matter with their firm because of the threatening and verbally abusive and unprofessional nature

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: In XX/XX/XXXX, I realized I was no longer able to work, my condition had grown worse. In XXXX, I applied for Social Security XXXX Insurance, and in XXXX I applied for Credit Protection Services for my Bank of America Visa Card. Unbelievably, XXXX was easier to obtain. BoA started making frequent collection calls as I fell behind, but, no one could tell me what happened to my application or status for Credit Protection. BoA started making monthly negative credit reports on my account and closed my account, despite my request to keep it open while ( I thought ) my application for Credit Protection was processed. 
I was awarded XXXX XXXX. Once I started to receive monthly income, I started trying to make on time payments to BoA for my Visa account. BoA continued to make negative monthly reports, and frequently would change the date late payments were posted. My credit score plummeted. I could not even buy a bed to help my back. No one would tell me why I was not covered under the Credit Protection Service. In XXXX XX/XX/XXXX, I was able to make my last payment to BoA and $ XXXX my debt. To my surprise, BoA never posted the account was paid off, but, instead started posting that my account was overdue, 30, 60, 90 + days, when it was paid off. Then, for reasons I do not know, BoA offers to allow me to re-request Credit Protection Services, in XXXX. I completed the application with doctor 's signature. I also included my XXXX award letter, XXXX XXXX IME 's and proof that I was trying to work in XXXX XX/XX/XXXX. This time, BoA awarded my Credit Protection Services, and sent me XXXX letters, on accepting my XXXX start date and XXXX denying a XXXX start date, which was fine. I also received a check for {$910.00} for fees, which is great. 
However, no corrections have been posted to any Credit Agency to update and improve my credit scores. My credit is still very low, directly due to the negative reporting and lack of positive reporting by BoA. I have missed out on houses on the market to try to lower my monthly expenses and can not get any credit until these years of BoA 's bad credit reporting are fixed. 
I have documents but can not upload from my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notice from Diversified Consultants, Inc dated XX/XX/XXXX ( received XX/XX/XXXX ) for a debt from a bank I don't owe money to. The amount they claim I owe is {$12000.00}. The letter listed XXXX XXXX  XXXX AND as the original creditor but xxxx the account number. 
Besides the fact I don't have personnel accounts with XXXX XXXX, what tipped me off to the false nature of this debt, it that my credit was pulled on XX/XX/XXXX and there is no debt for XXXXXXXX XXXX and non of my previous debts amount to {$12000.00}. 
I immediately began searching the validity of this Diversified Consultants, Inc and found numerous complaints about there shady practicing. Additionally, I've received local calls that do not leave messages. Strangeness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Hello, I am really hoping that you guys can assist me in removing these negative erroneous items from my credit report. I have reported all of the accounts that were not supposed to be on my report. As a matter of fact I have initiated an investigation more than once with each credit bureau with no response from either bureau. I have several things on my credit which are preventing my family from moving forward in the homeowner process and many other aspects of our financial life and freedom. Please assist me with getting these negative erroneous things removed from my credit as they are accounts that have been falsely reported to my credit report.

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 03/27/2015 about Bank account or service (Checking account) with U.S. BANCORP (KS).
Issue: Account opening, closing, or management

Complaint: In 2014 I started an account with US Bank after being talked into it by a coworker, who said they were great. I started a checking and savings account with no bounce protection because I did n't want to spend money I did n't have in my account. However I was told by their employee about changing my protection to not have fees on the account by the mobile banking app. Just in case I ever was near over drafting, I went ahead and changed the overdraft protection in XX/XX/XXXX thinking I would be better protected but it changed my account type so much I got hit with XXXX {$36.00} charges. When calling customer service I was told I would need to speak to the rep that started my service ( who no longer works there ) and I told them this and they did n't care. I told my same story to a XXXX in management and she said I would have to ask the bank manager for reimbursement and if they had issues with that rep in the past then they would credit. If they did n't though, they would n't credit the fees. I was lied too by a rep and the bank refuses to do anything. I understand corporate policy, but you should take care of your customers too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/30/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: reinserted previously deleted information which i am not liable for it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Debt collection (Credit card) with DYNAMIC RECOVERY SERVICES, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This appears to be from a charged-off credit card BANK ONE, I do NOT recognize. 
The Charge-off date appears XX/XX/XXXX. 
No Complaint ever filed. 
No payment by me was made on this account. 

Starting XX/XX/XXXX, I received a Collection Letter from a MA attorney. 
My attorney mailed a letter to this attorney, requesting a copy of any Judgment for this issue. 
We never received a reply. 
Letters continued to arrive from this Collection Attorney. Finally, they seemed to cease. 

XX/XX/XXXX/XX/XX/XXXX- I receive another Collection Notice, for same original account, from a different Collection/Debt Buyer. XXXX XXXX XXXX. 

My attorney mailed a 'Cease & Desist '' letter, via USPS Certified Mail. 
After this letter, my attorney received a call from the law firm for this Collection Co. Calls back and forth went on for about one month. 
I was told these notices would cease. 

XX/XX/XXXX- I received another Collection Notice for the same account, from a different Collection/Debt Buyer, Dynamic Recovery Solutions and Accelerated Financial Solutions. 

My attorney mailed the same " Cease & Desist '' letter to these new Collectors, via Certified USPS. 

I counted XXXX Collection/Debt Buyers on this account since it states it Charged-off. 

My attorney filed a complaint against XXXX, for allowing the account to continue, and against Dynamic ( DRS ) and XXXX ( XXXX ) for not checking any status on this account before proceeding. 

In documents with these companies, my complete SS # is reflected. There is n't any redaction. I am really scared this will continue. 

Is there a limit on how often a debt can be bought and sold over time? 
This could go on for infinity, and the Debt Buyers/Collection Agencies do not seem concerned. 

I do n't have any assurance my personal information is safe. 

Help!

Company response to consumer: Untimely response
Consumer complaint received 09/29/2016 about Mortgage (Other mortgage) with The Westmoore Group, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: COMPLAINT - XXXX XXXX, XXXX RE : Lender refuse to respond or accept mail demand for pay-off and payment history request for my " High Cost '' mortgage loan. Which is preventing me from Refinance for over two ( 2 ) years. 
I have made several complaints since XXXX about this Lender violating my rights under RESPA, TILA, HOEPA and GAFLA. Because the law are strict and I did not file my complaints within 12 months of me receiving the mortgage, XXXX has gotten away with violating the law repeatedly. 
Additionally, when I file my complaint with your office in XXXX prior to the enactment of the new laws, because he was a small lender, you stated a lot of the laws did not apply to him, so he continued to abuse my rights as a consumer. 
See attached document for full complaint with attachments

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint: Good morning, I would like to get the hard inquires removed from credit reports. Can you guys assist with this? Some of these are old and are affecting my credit score. Any assistance that you can provide is greatly appreciated. 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 05-04-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We took our daughter to  XXXX   XXXX   XXXX   XXXX  in  XXXX  PA once in   XXXX   XXXX   and once in   XXXX   XXXX   for emergency care. When we registered at the ER we provided our current address and phone numbers. We received bills from   XXXX    and paid what was not covered by insurance, every bill that was sent to us. Fast forward to   XXXX   XXXX  , we apply for a pre-approval on a loan only to find out that   XXXX    has sent t 2 i nvoices for us into collections around   XXXX   XXXX   .  i called the collections agency Transworld only to find out that the invoices and correspondences about the debt were being mailed to an address that we had lived in 6 years previously. We had  XXXX  address changes since we had lived at that location. No one from  XXXX   XXXX  ever contacted us directly about these invoices and we regularly receive care from   XXXX  . Anytime we went in for a check up we were told our account was current, we would receive a bill and we would pay it.  Transworld  also never made any actual attempts to contact us stating, that they too were sending letters to our old address. They also claimed to have called my cell phone numerous times which was a flat out lie, unless it was an automated call which i would have hung up on without listening to. We have paid the {$150.00} on  XX/XX/XXXX  when it was brought to my attention but  XXXX   XXXX  will not own up to their error and assist us with purging our now ruined credit report. In fact, the  XXXX  representative  XXXX  raised her voice to my wife and was unwilling to listen or assist us in any way. I will not stand to have my credit ruined over a clerical issue.    XXXX /Transworld can expect to be hearing from a lawyer shortly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/2016 I was charged XXXX {$35.00} fees for XXXX bounced checks. The checks were or {$5.00}, {$10.00}, {$10.00}, and {$50.00}. I called to see if they could assist on removing the XXXX smaller ones, those XXXX checks do not even total XXXX of the XXXX overdraft fees. i was advised they could remove XXXX. I asked to speak to a supervisor, I asked him the same question and was advised if it was a bank issue he could refund all of them but due to it being my bookkeeping issue there was nothing he could do about it. The man was hastly and unconcerned about the situation.

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 01/13/2016 about Debt collection (Credit card) with Alliance Group & Associates LLC (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was called on XXXX XXXX on a debtor in the amount of {$4600.00}, and must pay in full or make an agreement to pay installments of {$100.00} a month until the balance is in full. I did my research, looked into my credit reports of any negative balances, collections and or debts on file, and there is no derogatory balances in my report. I did further research to call the banks, XXXX XXXX XXXX XXXX XXXX and Pennsylvania and both did not see on file the account number or my SSN or debt on file. This company in XXXX, SC is and has done ID scamming upon me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Syndicated Office Systems continues to report a negative collection account on my credit report but has failed to provide any validation of such debt. I mailed a certified letter asking for proof of validation and they have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent an investigation/dispute to Equifax on XX/XX/XXXX regarding identity thief along with a police report and affidavit. they lost my police report, that was their first excuse on reply. On XX/XX/XXXX I sent a second request for investigation/dispute to Equifax, docs received. also between XXXX and now, I tried to follow up with their on line process and for my trouble, they kept putting me off and generated over XXXX confirmation numbers for me. they finally told me the ca confirmed and that was good enough for them. it took of 70 days for this to happen. I asked them is n't the definition of identity thief, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: As far as I know FDCPA requires XXXX point verification in order to disclose. I was contacted 2 times now where as soon as I answered to my name they disclosed that I owe {$1300.00} and they want payment. At no point would they listen to my concerns about privacy. They just kept cutting me off and asking for payment. The manager did the same thing and when I asked for his manager he hung up on me because " you do n't want to resolve this '' I told him they called me and not to hang up and he did it anyways.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2017 about Debt collection (Other debt) with I.C. System, Inc. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I moved my home and transferred my service for XXXX XXXX and XXXX XXXX internet services in XXXX of XXXX. I had ongoing billing problems with XXXX XXXX for the next 8 months. I spent no less than XXXX HOURS of my time on the phone and online trying to get them to remove their billing mistakes on the old accounts. I was told that I had paid in full and thought my accounts were correct. I am still a current customer. I have had continuous service with both companies. 
Recently the company sent me to a collection agency in the amount of {$710.00} without making any attempt to notify me first. I have disputed these incorrect charges with all three major credit reporting agencies. 

I refuse to spend more time contacting XXXX XXXX billing department. They were able to keep turning off my XXXX XXXX services ( 4 times ) during these 8 months. I demand that they remove the collection attempt from my credit file.

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 10/30/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage was suddenly sold from XXXX to Greentree mortgage services XX/XX/2013. We were n't notified of this or any changes until after the barraging phone calls started when we were 1 week late on our mortgage payment. I had just been put out on XXXX from a XXXX, and was formerly the main wage earner for our family. My husband had just started a new lower paying job after not working in this bad economy for over 2 years. His pay was sustaining utilities and food only. I was involved in a workplace lawsuit, and was having a hard time getting any benefits or payments established. I communicated this to Greentrees representatives who were very angry and harassing. We were receiving phone calls up to ten times a day, with threats of jail, them sending the sheriff to just take our home, they threatened to attach wages and take money from our bank account. Their representatives were even bold enough to speak to, threaten and scare our children. They spoke with threats of taking everything we own away. It got so bad at one point a lady told me that they did not have to go through the legal processes, and did not have to notify us, that we 'd just be thrown on the street and homeless! My children are very scared, and now have severe panic attacks. At one point after a phone call from a nasty representative, I was rushed to XXXX and treated for XXXX ... ( XXXX ) I was advised by my doctor to send a cease and desist letter to stop them from calling. I sent one certified letter but still continued to call and question the ability to correct and mitigate my mortgage situation. I was told each and every time that my excuses were unacceptable, and we could n't be helped. We at one point received a mitigation relief package from them, filled it out, then months later received a letter stating that we were delinquent on making payment to mitigate our situation, and therefore unable to receive help, when we were never notified of any mitigation? I kept in contact, despite their threats. I received pre foreclosure letters, but never anything on how we could be helped. We considered bankruptcy, but were told for chapter XXXX, I needed to have a job. I went through several rigorous appeals with unemployment. I now recently picked up a part time job, and tried to notify Greentree again, and received a letter from DiTech. It 's not clear if they are our new mortgage service. They are asking me to honor our obligation, but now I found out that Greentree just settled a lawsuit for exactly the same issues and harrasments my family endured. I need your help to be included in that lawsuit. I 'm formally documenting our harassment by Greentree in this complaint, and would like to make sure we have no further problems with Greentree

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX notice that Toyota/lexus report my name to all major credit agencies as a charge off, i file a dispute once and i contact the credor and they informed me that they will correct with all credit bereaus, so they send me a fax, and a mail attesting that the negative item will be removed from my credit, so the item was removed, and my credit went back to normal, so today i got a email from transition that the item was reported again as a derogatory " charge off " with {$3600.00}, this charge is wrong and I 'm demanding the completely remove this item from my credit, i never being late or miss a pay net on this account acount # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other

Complaint: i have been the victim of online fraud. i paid a company called impact ranking XXXX on XXXX i reached out to visa for help and was told it was not a billing error. i know that it was not a billing error i told them that.this company charged me excessive fees for something i could have gotten for XXXX.they use unfair and deceptive trade practices.i told the bank i was not rendered any service or product.visa could not have looked into this to render me the decision they sent.i am XXXX XXXX XXXX and they just take advantage of the elderly.i feel my visa card should have flagged it immediately.i thought citi had no fraud liability.

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 11/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was sold to XXXX and I have not received any information on how to make payments, including a new loan number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation