milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2017 about Debt collection (Medical debt) with Suburban Credit Corporation (VA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I got a call at work and was told I my receipt got sent back for wrong address. I them asked what my total due was XXXX XXXX gave me an amount due I unaware of. I have been calling for months making a {$15.00} payment and he not once mentioned I had 3 other bills. I had no knowledge of these bills and further more the address they were sending these bills I have n't lived at in over 3 years. So I was frustrated I never agreed to pay 3 more bills I did n't even know I had 3 bills. XXXX was rude and cursing at me I started recording call once began yelling saying they do n't pay him enough to be dealing with me. He was out of character and when I asked to speak to speak to a supervisor he would not give me a direct number supervisor was no help kept asking for my updated address and did n't care how I was just disrespected. I have never in my live been treated like this my any person I work for a major company and have never been spoken to like that by even a customer. My medical info should have never been sent there its violation of my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: For a week I have been complaining to Trans Union. Today I called and spoke to a woman who obviously in another country if not another world. I am trying to get an account removed because it has been closed for 7 years. I paid the account as agreed and she stated that any NON ADVERSE account must remain for 10 years. The problem is that when I was young and had no credit, the only company that would give me credit was called XXXX XXXX. 40 years later I needed a loan and went to XXXX which is the new name for the old company. Little did I know that a consumer loan company is a black mark on your credit. I paid the loan as agreed and in XXXX of XXXX it was closed. In the meantime I checked my credit score and one of the reasons for a lower score was that I had used a consumer loan company and that many people with poor credit do as well. Since I checked that, I have been waiting for the 7 years to pass when I could get it removed. Now they tell me that if it in NON ADVERSE, it must remain for 10 years. If it has a negative impact on my credit score, it is an adverse account. I want this account removed from my credit bureau as it adversely affects my credit score just by the type of company it is.

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 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX reports to the XXXX credit bureaus that I owe money. I did not open a Discover card nor do I owe any of these companies any money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Settlement process and costs

Complaint: Name : XXXX XXXXBusiness : Mail Address:XXXX FL XXXX Phone : Other Phone : Email Address : XXXXXXXXINTERNET COMPLAINT RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/2015XXXX XXXX FL , XXXX XXXXXXXXEmail : XXXXXXXXName/Firm/Company : Ocwen Loan ServicingSubject/Category : mortgage company wo n't return money for damages to houseStreet Address : XXXX FL XXXX XXXX XXXX : XXXXXXXXDate of Transaction : XXXX/XXXX/2015Amount Paid : XXXXXXXXQuestions/Comments : I had water damage in the home at the end of XXXX. XXXX XXXX, my insurancecompany sent me check which I had to send to Ocwen to sign. They returened onecheck and have kept the remaining checks. The mortgage is under my deceasedhusbands name and they refuse to talk to me or return the money. My husband wasa veteran and I receive spousal benefits. 
Before he passed he got a modification through IndyMac who in turn sold themortgage to Ocwen. He also filed bankruptcy and the house was outside of thebankruptcy. The bankruptcy will be final in XXXX. I am paying the mortgageand have been prior to his death. 
I am without a functional kitchen and XXXX bathrooms and powder room. 
I need Ocwen to release the money as soon as possible. They are withholding about {$80000.00} for the needed repairs. They told me to sign the checks and send it to them which was done. They refuse to talk to me even though my name is on the deed to the property. 
I have an attorney and they are not responding to her. 
I need immediate assistances.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PR).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX XXXX after getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card since XXXX belonging to my husband. I have a card in my name so I called XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XXXX XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX actually reports to the three CRA 's so I should have all three credit scores since 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
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with Douglass & Associates Co. LPA (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Regarding : DOUGLASS & ASSOCIATES CO., L.P.A. Entity No. XXXX, XXXX XXXX XXXX Incorporator. <P/>I am a third party and received a call from DOUGLASS & ASSOCIATES CO., L.P.A. <P/>on Thursday, XXXX XXXX, 2017 at XXXX XXXX <P/>on my personal cell phone where the caller, XXXX, representing DOUGLASS & ASSOCIATES CO., L.P.A. <P/>left a message attempting to collect a debt regarding another party. <P/>I, as a third party, have never given permission to communicate with my personal cell phone. <P/>DOUGLASS & ASSOCIATES CO., L.P.A. Entity No. XXXX, XXXX XXXX XXXX, Incorporator in violation of 15 U.S. Code 1692c ( b ) : [ W ] ithout the prior consent of the consumer given directly to the debt collector a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (UT).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX charged me a fee to set up and have what they sold to be bi-weekly payments made to my lender. They were to take out 1/2 the mortgage amount every other week on dates I specified, and pay my lender twice per month. This was part of their " Interest Minimizer ''  program. I found that 1-they only made one payment per month -- whatever was the amount due and 2-they paid by paper check, which my lender did not accept. This caused the lender to continuously report that I was behind on the mortgage. I cancelled my " membership '' with XXXX XXXX when I found this out. I have since found that there is a lawsuit against this company, and hundreds of other consumer complaints. Links to the articles are here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am still receiving letters in the mail and phone calls from this company inviting me back. Meanwhile, my credit report is a mess and I can not get a loan for a car. Mortgage company is PennyMac.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit reporting () with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a notice from XXXX that a derogatory account was erroneously and fraudulently put onto my credit report and file from Nationwide Recovery Service on XX/XX/2017. I have never received any information or notice from this company. This account does not belong to me. I demand any and all information be remove immediately from my credit report and file as this company is in direct violation to federal and state laws regarding debt collection. My positive credit rating has been tarnished and I have been denied credit due to the erroneous, fraudulent and deceptive practices of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Forbearance / Workout plans

Complaint: I am going through severe financial hardship. Barclays Bank continues to call demanding outrageous sums of money that I can not afford and threaten to continue to report negatively to my credit report if I am unable to. They are refusing to offer a reduced payment plan or anything that benefits me. I spoke with a member of management named XXXX XXXX who basically told me " too bad '' and she is not obligated to help me and my only option was to pay the amount due. Other banks have understood and have complied and are working with my current situation, Barclay is not. I have had an outstanding history with them for many years and instead of helping a loyal long time customer, I have lost half of my credit line and am being treated like a criminal.

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 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I 've sent over XXXX different dispute letters to Experian, and while all the other Credit Bureaus have removed the items from my credit report, Experian refuses to even respond to my dispute letters ( which means every account I disputed should come off XXXX. On top of that, I 've called some of the accounts that are still reporting to Experian, and they told me that they 've already requested that Experian delete them ... But Experian does n't do it. 
Please be clear, I am not asking for Experian to now start the disputes on these accounts, I 'm requesting they be deleted, immediately. 
Accounts:1 ) XXXX XXXX - Paid before it went to collections - Deleted from XXXX XXXX2 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX3 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX4 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX5 XXXX XXXX XXXX XXXX - Was told by XXXX XXXX that they had already requested the account be deleted from my credit report 4 months ago - Deleted from XXXX and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Student loan (Private student loan) with AES/PHEAA (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I received an email from XXXX saying I have a credit alert. I called them after looking at the subject, private student loan from XXXX XXXX XXXX XXXX XXXX. I asked the XXXX representitive for the phone number. The number I got was for a law firm in California. After speaking with them briefly, they wanted to set up an appointment to speak to one of their attorneys. I declined and thought I would call XXXX XXXXXXXX XXXX. I went to the internet to find their number and the first thing that popped up was from the CFPB. I read the article and felt immediately that this claim is fraudulent. First, I never attended the XXXX XXXX XXXX. XXXX of my children did however. I do not have any recollection of having any loans from XXXX XXXX XXXX and I am fastidious with those matters. After my children graduated they consolidated as best they could all of their student loans including the our parent loans we took out for them. I know both of them are still paying student loans and are timely doing so. My concern that this is XXXX and has shown up on my credit report. I won't take any action until I hear back from you. Thank You!! XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me XXXX XXXX XXXX  XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble during payment process

Complaint: I have had a continued issue with lender placed flood insurance which was placed on my home by Chase in error. This occured on my first and second loan. I attempted to resolve this issue on numerous occasions without success. Due to this insurance my mortgage payment was increased on both my loans, and I fell behind both. With the help of the XXXX XXXX XXXX the lender finally cancelled some of the insurance on the loan. I had requested that they refund me all of the late fees, and foreclosure fees for double charging me for insurance on the first and second loan. To date, they have not refunded me the entire amount of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I continue to receive threatening letters from Transworld Systems in spite of the facts that:1. The debt was paid by check which was cashed on XXXX XXXX, 2015 ; 2. I telephoned Transworld Systems on XXXX XXXX, 2015 at XXXX PST and informed XXXX XXXX that the debt had been paid. She assured me the threatening letters would stop but I received yet another on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (FL).
Issue: Trouble during payment process

Complaint: OnXX/XX/XXXXFay Servicing Loss Draft Dept received my package concerning a damage loss at a rental home that I own, XXXX XXXX XXXX XXXX, Fl XXXX This package contained two checks from my insurance company made payable to me and Fay Servicing. I enclosed their completed paperwork, that they requested. I have already paid to repair the home out of my pocket so my tenant would be able to live in the home This happened in XXXX. To date,XX/XX/XXXX, I have not received my insurance money back from Fay Servicing. I have not been contacted by their inspector to verify that the work was completed. I have called every day to their customer service dept and have gotten no help from them. This is totally wrong I am the one who suffered the loss, I am the one who pays the insurance premiums, and they are holding my money. Please help me get my insurance money sent the me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Bank account or service (Savings account) with Empowerment Ventures, LLC (NY).
Issue: Deposits and withdrawals

Complaint: My employer direct deposited my payroll check on XXXX XXXX, 2015 on my Rushcardand some of my money is still not available to me. It automated phone is telling me my last deposit was on Thursday, XXXX XXXX, 2015. I work very hard for my money and I 'm XXXX, I need my money to pay for my medications which the pharmacy deducts from my Rushcard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of XXXX I received a letter from Bank of America requiring me to purchase flood insurance as an augmentation to my existing mortgage ( Acct. # XXXX ) on a property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The letter indicated changes to the flood zone maps prompted this requirement and as such, I purchased flood insurance in XXXX of XXXX XXXX Policy number XXXX XXXX ). This requirement was perpetuated by XXXX XXXX, ( Acct # XXXX ) when they assumed servicing my mortgage in XXXX up until XXXX XXXX when I received a letter indicating that updates to the Special Flood Hazard Area ( SFHA ) no longer encompassed my property. Since you can not cancel Flood Insurance, you can only " Non-Renew '', I was forced to complete paying for the third year of coverage. Subsequently, I requested a LOMA letter from XXXX, and was informed that my property never resided in a SFHA, and that the maps had not been updated with any changes to my specific property location since XXXX. I have attached the supporting documentation and believe I am entitled to a refund of premiums paid for 3 years as a result of the errors made by Bank of American and subsequently, XXXX XXXX levying this requirement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation