milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (DE).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Last XXXX I was contacted by Diversified Consulatants for a debt owed by an unknown person named XXXX XXXX. Several calls were received and during XXXX conversation I was calld a XXXX by the agent handling the call. I advised during each attemp that the debtor was unknown to me and that they were calling the wrong person. Several months have gone by and I have started to receive these calls again. The first phone call I asked the agent to provide the name of her company and she refused. She kept asking if she had XXXX XXXX on the line and eventually hung up on me. I immediatley called the number back XXXX and requested a manager. After holding I was transferred to XXXX XXXX 's voicemail where I disconnected the call. I called again and spoke to XXXX XXXX who identified himself as an acting supervisor and refused to provide me with an actul member of management until I went through all of the various agencies I was contacting. I am asking that these calls stop once and for all. The supervisor that I eventually spoke with XXXX XXXX assured me that my number was being removed, however I have been told that in the past. This company violated TCPA as they are calling my cell without my permission and FDCPA by refusing to provide the company name, adhering to my cease and desist request and the use of vulgar XXXX slurs. I am feed up and there harassment is stopping me from completing my work.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Trouble during payment process

Complaint: The service provider is Bayview loan services. They purchased my mortgage from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX they sent me a welcome letter and an invoice in the amounts of {$5700.00}. My monthly payment on my mortgage has always been {$1600.00} per month ( I have a fixed 30 years mortgage ). All of a sudden I was received this large bill for a combination of missed payment, escrow shortage, and a mortgage insurance. <P/>I have never missed a payment with my prior mortgage servicer, I do n't pay insurance as it 's a condominium and I have a master insurance policy through the HOA. I have faxed evidence of coverage and receipt of monthly payment to prove to the new servicer that I have never missed a mortgage payment. Every time I call, I always talk to a different person, and I have to repeat everything all over to everyone I talk to .... Since XX/XX/XXXX, I have talked to them countless times ... no one could help me and justify how they come up with {$5700.00}. After so many phone calls and arguments ... .they finally told me that there is a shortage in my escrow and added about {$80.00} to my monthly payment making the monthly total {$1700.00}. However, I get non-stop phone calls .... They are now claiming that I have missed a XX/XX/XXXX mortgage payment. <P/>I have told numerous people at Bayview that I have paid the XX/XX/XXXX payment to XXXX XXXX. I have even faxed evidence that I have made the XX/XX/XXXX payment ( four times ). Still I get a phone call a few times a week saying that I am late with my mortgage payment. This has been a very stressful situation because it seems that NO one is willing to help me. I have talk to different representative from Bayview, and they all tell me different story as why they keep calling me for a missed payment. <P/>I have tried on my own, I have talked to different so called supervisors from their escalation department ... ..and to this day they keep harassing me with phone calls ( I have told them multiple times not to call me again, to stop harassing me, just today, I have received three phone calls from them ) ... I am working with a gentleman called XXXX at XXXX who has been trying to help me ... .but nothing has been done yet. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was given out by equifax during their data breach. My information is now out there forever and could potentially harm me years down the road.
I 've signed up by their monitoring for free for 1 year ( 1 year is not enough ). - X/X/2017

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: Different numbers calls me multiple times I 've already told them to get my name out of the list but the calls still do n't stop

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My problems with my lender are so compiled. In XXXX I refinanced with Countrywide and I set up an escrow impound account. In XXXX I received notice I was in Tax Default for taxes not paid XXXX. I called my lender ( Bank of America ) and the gentleman on the phone in the escrow dept. Informed me that they used my impounds to pay a different parcel and that had to increase my mortgage pmt by $ 200+ mo to make up for their error ( for the next 12 mos. ). My mortgage payment on my note is {$1700.00} the payment now incl. Impounds {$2300.00}. My taxes {$3900.00} yr. My insurance {$780.00} yr. So since XXXX My lender ( COUNTRYWIDE, BANK OF AMERICA, XXXX, XXXX AND XXXX MORE TRANSFER I CANT REMEMBER ) has been comp letely mishandling my impounds, they refuse to work or even talk to me. They are harassing me about forclosure because I told them that until this is straightened out I will not be throwing more money away. This is out of control. With all of the penalties, late charges, interest and so on my calculations on this piece alone ( there are several more problems ) appear that I am owed close to {$60000.00}. I have been ripped off. Misled and Im spoken to in an awful tone. I will not throw not XXXX cent more to these vicious thieves. They will not touch my property. THIS IS WAR!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My name is XXXX XXXX. On or about XXXX XXXX, XXXX, Bank of America changed my mortgage loan from a principal to a principal and interest loan. Previous to that, for a period of approximately 10 years, BofA had automatic right withdrawals to my account. 

When the nature of the loan changed, BofA stopped the withdrawals from my bank account. BofA claimed it sent me mail notices, but conceded it was sent to the wrong address. I had never, ever been late on a mortgage payment with them, or any other bank. 

By the time I found out about the mistake, around XXXX XXXX, BofA had filed a complaint and badly hurt my credit. 

I hired an attorney to handle the matter, who sent them letters on XXXX XXXX and XXXX XXXX. BofA never even bothered to respond to either inquiry. 

I would like BofA to remedy this wrong and withdraw their falsely alleged complaint to the Credit Bureau.

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Recently I went on the Equifax web site the company set-up after the data breech that exposed personal information of 143-plus million consumers. The web site was advertised as a tool to determine if your ( meaning consumers ) personal information was breeched. I entered the required information and received the following reply from Equifax -- - '' based on the information entered, your personal information MAY HAVE ( emphasis added ) been compromised. '' I knew that already! I went on their web site to determine with specificity if my personal information was compromised. My question to the CFPB is this ... Does Equifax have an obligation to inform all people by mail ( since the web site is useless ) IF they are one of the millions effected by the breech?

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Credit card) with Booth & McCarthy (WV).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I had a credit card debt with XXXX XXXX XXXX, this debt was written off on XXXX/XXXX/2009, somehow a McCarthy & booth of XXXX Ohio got the debt, they took me to court and got a judgement even though I sent all paperwork back, including a copy of my XXXX, now they send a XXXX XXXX police officer to my home threatening to sell items from my home, my bank account, car. claiming I owe XXXX which is mainly court cost and paperwork, interest, how can there be interest on a debt that was written off 7 years ago per XXXX XXXX XXXX .harassment from this law firm has gone on now 4 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 04/18/2017 about Credit card () with DISCOVER BANK (AR).
Issue: Customer service / Customer relations

Complaint: Good morning, I added my husband as an authorized user on  XXXX  of my credit cards, but it made both of our credit scores decrease, so I asked them to remove him as an authorized buyer. They did, but they still reported the card information on his credit report. I asked if they could please strike the information from his record, as it is my debt and both cards are in my name associated with my SS #. They said they could n't remove the record. This is affecting his  credit score,   and as we pay off bills the records of these  XXXX  cards remains an issue to his score being lower than we would like. I simply wanted to remove him and the record. I still have the cards and do n't even want to close the accounts, I just do n't want them on his report. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with INVESTORS BANK (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Dear Sir/Madam, I 'm very frustrated with Investors bank. I have had a relationship with them for 10 years and they chose to close my checking account after 2 months of no activity. 

I have consistently used that account the last 10 years, to make periodic deposits and to make occasional principal reductions to my mortgage. On XXXX XXXX I made a transfer which processed, and then one in XXXX and XXXX, which were both returned since the account was apparently closed. When I called the bank I spoke to XXXX, and she said the bank should have called or emailed me a notification about the closure, and she would look into it. She called me the following day and advised that they can close the account at their discretion, and never provided me an explanation. I asked to speak to a supervisor, and I spoke to XXXX. She promised to look into it. It has been 3 weeks and I have not heard back. I called and left a message for her on the XXXX. 

My mortgage is paid promptly, and it would be nice to understand why my account was closed without notifying me. The only reason I can see is that their new accounts charge fees, and they want to migrate their clients to those more profitable fee based accounts. 

Does n't feel like IB really wants my business. 

Thanks so much for your assistance. 

Kind regards, 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 05/17/2017 about Debt collection (Medical debt) with United Resource Systems, Inc (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: No support was provided. If I have a doctor bill then I want to see it, since I have not lived there since  2008. T his in reference to my original complaint  XXXX .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did NOT authorize any inquiries that 's on my credit report. Any inquiries from  XXXX   2017  until now are NOT mine and need them removed from all credit reports Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am signed up for XXXX credit monitoring, and received an alert that a new collection account has been added to my credit reports. I have attached a screenshot of this from my XXXX credit monitoring service. 

I never received any correspondence from Franklin Collection Service regarding this debt. If i would have received this information, I would have paid this debt immediately during the validation period so the account would not show on my credit report. 

I contacted Franklin Collection Service and asked to speak to a supervisor. The supervisor had an extremely standoffish and rude tone and told me to take it up with the post office because he said they did send me documentation. When I asked him to send me another copy of the documentation that they sent me, he said " too bad '' and to, again, take it up with my post office. 

Unfortunately I am rebuilding credit so I am aware of how these situations work. Franklin Collection Service never sent me the initial information and communication about them having this debt, and I never even knew about it until my credit monitoring service picked it up. 

I am requesting that this account be deleted from my credit reports due to Franklin Collection Service not following the proper procedure to communicate this debt to me. 

Please let me know if you need any additional information from me. I will be glad to assist in order to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Recieved a statement in mail from Convergent Outsourcing Inc in XXXX, WA. Claimed owed {$200.00} to XXXX but would settle the debt for {$70.00}. Provided method of payments including giving them your credit card info. We are long time XXXX customers in good standing. Called XXXX to verify we owed nothing and that they had never contacted a debt collection company. Went online and this company has XXXX complaints similar to ours with the XXXX. Total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: Hi sir/ Madam This is XXXX XXXX i booked tickets with XXXX Airline through XXXX Travel Agency right away they sent me an email which mentioned that your reservation is canceled then i was sure it is canceled. I booked tickets with different airline After two days my account was charged by them then i contacted them to refund my money back they did not and i contacted my bank too they did not give my money back. i have proof every thing they do not respond me positive.

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 07/20/2015 about Debt collection (Medical) with Financial Data Systems (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX cashed a check in settlement of money owned. We received a notice from a creditor, Financial Data Systems, XXXX, that XXXX passed our account to them for collection due to non-payment. Prior to this notice, we received no second or third notice of non-payment from XXXX, and we had no reason to believe after the check was cashed that there was any potential issue with the account or XXXX accounting. We contacted XXXX XXXX on XXXX XXXX, and they stated they would open an investigation and have a superior call us. We contacted Financial Data Systems, XXXX to inform them of the error, and Financial Data Systems, XXXX stated they would await notification from XXXX XXXX XXXX On follow up on XXXX XXXX, no investigation had been started by XXXX XXXX XXXX Re-requested both an investigation and a call back from the supervisor. We continue to be at risk of Financial Data Systems, XXXX filing derogatory payment data to credit reporting agencies due to this error despite being pro-active and aggressive in seeking a resolution. All consumers working with XXXX for medical billing should copy / scan all payments before mailing and keep a copy of the cancelled check ( front and back ) on record. At the time of this complaint, the issue remains unresolved.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Student loan (Federal student loan servicing) with Student Loan Care, LLC (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XXXX XXXX, I applied for the XXXX XXXX XXXX XXXX program offered to me through mail by Student Loan Care , LLC. They added a 3rd party company named XXXX XXXX to finance what I thought was my federal student loans being rolled over to their company to be repaid. I expected that my federal loans would be rolled over to XXXX XXXX, but unfortunately, I later found out that the {$1400.00} that I was to pay in payments of {$42.00} a month was actually a FEE for their so-called services. I called my federal loan servicer and they had never heard of these 2 companies and my accounts were not in any kind of process of being rolled over. They were deceitful in their information and I feel that I was n't fully informed when I signed the contract. I have a high amount of student loans, I work two jobs, and have a young family and I was desperate for help with my loans. I feel embarrassed and frustrated to have fallen for this scam!

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: the problem is with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, PH XXXX, INaccurate information on my credit report with this specific company, the loan was paid off on my credit report indicates {$7400.00} was a charge off NOT TRUE AND INACCURATE ... there is a XXXX balance on this account as of XXXX..the last date of the 1st missed payment was in XXXX. The original loan was paid off XX/XX/XXXX ... the loan is more than 7 years and 180 days per CALIFORNIA RIGHTS MUST BE REMOVED ... spoke with XXXX representive at XXXX XXXX XXXX and the company is refusing to removed the negative informantion and refusing to show the loan paid off. I also filed a complaint with EXPERIAN credit agency they are also refusing to delete this old and inaccurate information. XXXX DELETED 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 non-monetary relief