milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2017 about Debt collection (Medical) with Associated Collectors, Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The first collection account was as a result of the billing policy at XXXX XXXX XXXX. Each visit to a different practitioner was billed to a different account. XXXX of the accounts was overlooked by me and I was not notified of this debt being sent to collection. I believe the error was the result of their improper billing system and lack of notification and I do not believe it should be my responsibility. 
The XXXX account was incurred as the result of an emergency visit to the hospital. I received a substantial bill and had no health insurance. I applied to the hospital and received relief for the entire bill. Upon receiving the XXXX XXXX XXXX, I sent a copy of the Hospital forgiveness letter in the hope of receiving consideration for my financial hardship. Without notification the bill was submitted for collection. Due to extenuating circumstances I am unable to pay these bills and they are having a negative affect on my credit rating. I wish to have assistance in resolving these matters as soon as possible. I have not received notification about these accounts in many years and feel it was the responsibility of the Collection Agency to keep me apprised of the accounts in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have been having a problem with Enhanced Recovery coming after me for  XXXX  separate bills when they were not bonded in Texas at the time. I 've had the  XXXX  and  XXXX  accounts removed from my report several times over the years. Due to indentify theft as well as the debt I do not owe. However,  Enhanced Recovery Corp  seems to continually place theses accounts back on my report. Since  XXXX  I 've contacted between  XXXX  and ERC several times for validation of these debts with a contract signing, copies of license or ss to no avail. I first got them removed both accounts in  XXXX . Only to be placed back on in  XXXX . I had the accounts removed again due to lack of verification and validation of the debt they 're claiming I owed. The  XXXX  account was placed back on and removed again in  XXXX .  XXXX  came back as well and removed in  XXXX . I have had  XXXX  removed once again and now ERC is still trying to collect on  XXXX .  XXXX  has been removed from   XXXX    and    XXXX  . However, it and  XXXX  are still on My   XXXX   and  XXXX  report. I 've been having these problems with this company which had no bonding in the state of texas at the time these account were placed on my reports. I 've been fighting this debt. Not to mention the items have continously been removed. I 'm asking for valid proof of verification something in writing with my signature binding me to the debt. I 'm also submitting proof of these items being removed several times. Thanks so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to do a loan modification with Ocwen bank since XXXX of 2014. I have been given the run around and submitting the same items and a complete file multiple times. All of this time they said I do n't have a complete file. XXXX of the reps, XXXX XXXX, from the loss mitigation department suggested that I send in a letter requesting to cancel the modification and restart the process. He suggested I wait a week before I resubmitted my file. Then the bank put the home on auction to be sold. The rep said do n't worry he can post pone the sale as soon as the file was uploaded. The sale was postponed for 45 days but then XXXX days after receiving my complete file they denied me for a loan mod for reasons that the investor would n't allow it. 

I asked if I could then sell the property to avoid foreclosure and they said there is n't enough time but that I could try. 

I simply want to be able to avoid foreclosure and be given the time to list the home and sell it out right.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage company, OCWEN sent me a letter via XXXX mail on XX/XX/2016 ( Dated XX/XX/XXXX ) stating that my mortgage payment was returned for non-sufficient funds by my bank, XXXX. My account shows that no attempt was made by my mortgage company to get the payment that I had made electronically on the XX/XX/XXXX. I also spoke to a representative at my bank who confirmed that no attempt had been made to cash my payment. I have been paying my mortgage electronically for several months and keep a confirmation notice. There is a default feature at the OCWEN website, which allows me to pay from the same account -- which I did. 
In the letter from my mortgage company, I was instructed to make an immediate payment or I would suffer penalties in additional fees. So, in order to avoid those fees, I sent a rush payment via XXXX. But it still ended up costing me an additional {$45.00} above my regular mortgage payment. I feel that OCWEN was either careless or dishonest in this instance. I wanted a record of this complaint so that they will correct this situation, instead of allowing them to blame me for their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent the Branch Bank and Trust a payment of XXXX on the XXXX of XXXX 2016. The bank applied XXXX dollars to my loan and put the rest in there little hole. This is the XXXX time that this bank as done this to me. I filled out a complaint before but did not follow thru but I am going to follow this XXXX thru, the bank is stealing money my not applying the full amount to loan and holding it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Applied for modification Bank of America advised on XXXX/XXXX/2014 they have a complete package. On XXXX XXXX was advised that approval letter was sent out, questioned about doing a short sale, was told if that is what I want must send in writing want a short sale and opting out of modification process. Which is what I did.To date Bank Of America still has me as being modified and I never was. FHA will not allow short sale if was modified, which is not correct I know of other people who have been through this process

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (I do not know) with Receivables Management Partners, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked IMC Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, Equifax announce that 143 million Americans have had their information stolen during a cyber-attack which occurred in XXXX. Equifax reportedly discovered the breach on XXXX XXXX, over a month after it happened and waited until the XXXX of XXXX to inform the public. However, they have still not informed those affected. Equifax created a website where individuals can enter their name and SSN to see if they were affected. However, the websites reportedly generates random results and an incorrect SSN and name pairing still results in a response. 

Equifax should face severe repercussions for their mishandling of the American people 's sensitive information, the utter lack of timely communication, and the misleading and inaccurate responses they are giving through the new website.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Medical) with Consumer Collection Management. Inc (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had payment agreement with a medical provider to pay bill at {$25.00} every other week which I started immediately. Provider then sent account to collection in spite of agreement and then stated they are no longer collecting the item. I have attached several docs showing that I made a {$25.00} payment and then a bill after that from the medical provider showing they transferred the account to collection company as a bad debt write off in the amount of {$750.00} despite the fact that I was making payments as agreed. The collection company, Consumer Collections Management Inc. then sent me a letter stating they are collecting the debt and the amount went up {$150.00} for a collection fee, of which they can not validate that I EVER agreed to this with the original provider. This is a clear FDCPA violation. Also, they sent me the letter saying I had 30 days to dispute the collection in XX/XX/XXXX ( also document attached ) to which I responded in writing by certified mail right away and far before the alloted 30 days. ( I have attached the proof ), however they reported it on credit immediately and despite my letter, ignoring the law. Also they did NOT respond in 30 days or less after I asked to prove or validate the debt. Consumer Collections did NOT validate the debt or that I owe them as requested. When I called today and spoke with XXXX XXXX and told her that they need to send the validation that they can charge a collection fee or I they were in violation of FDCPA, I was transfered to the supervisor who refused to give her name and then she said she would send something in writing but the collection charges still stand and then hung up on me claiming I was being rude, which I was not and have a recorded call to prove it. This company is clearly operating by collecting debts using illegal tactics and ploys all while charging illegal fees for collecting debts without the legal ability or agreement by consumer to pay the fees with orginal creditor/provider. Luckily, I know my rights. I have sent payment to the medical provider for the {$750.00} dollars to satisfy the debt in full. I do NOT owe the collection company and insist that they remove the collection immediately from my credit and NEVER contact me again. Please help enforce this and advocate my rights and protect and honest consumer or I will hire and pursue legal relief and remedy to the fullest extent of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Other financial service (Check cashing) with ACE CASH EXPRESS, INC. (OH).
Issue: Fraud or scam

Complaint: I XXXX XXXX cashed a check from my XXXX XXXX account for XXXX at ACE getting XXXX XXXX in XXXX to pay an XXXX bill which was paid already by my insurance company therefore this should 've been returned as promised by ace they told me that stop payment would be place on the XXXX and money would be return back to my account ace also said that i need to fill out a fraud affidavit and would go into his account get my monet back this took place on XXXX/XXXX/2016 trans number XXXX /XXXX XXXX was the teller there number XXXX want my money back I 'm a great customer of ACES

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Other type of mortgage) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NH).
Issue: Trouble during payment process

Complaint: I own a  2nd floor office condo in an 18-unit, 6-story, 120-year old bu ilding  XXXX   XXXX   XXXX . In  XXXX ,   XXXX  , Peoples United Bank told me I had 30 days to purchase flood insurance on my property in  XXXX  or they would purchase it for me. I began the process and discovered that it was not possible to get this done in 30 days. In the meantime, the bank went ahead and purchased a policy for {$7500.00} and billed me for it. I managed to purchase insurance by  XXXX ,   XXXX   for {$2100.00}. Later, I discovered that the rest of the condo owners paid between $  XXXX  $  XXXX . This year I will renew at this cost. Also, none of the other condo owners were given this kind of a time frame.   The bank has deducted {$1800.00} out of my mortgage payment account, putting the account in arears and charging me for late payments. I have paid {$3900.00} for {$500.00} worth of insurance. I also have an engineering report stating that in reality, only the basement is considered to be in a flood zone ; none of the units in the building are. I also have a letter from FEMA station that the chance of our unit flooding is slim to none.   I am looking for the bank to return the {$1800.00} theyve withdrawn, remove any late charges, and make my account current. Ive made many calls to the bank, but theyve gone nowhere. My issue is not flood insurance, itself, its the fact that the bank is forcing a {$7500.00} policy on me, when the situation was not urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im writing this complaint out of complete frustration. I recently obtained a copy of my TransUnion credit report and I noticed some unauthorized hard inquiries on my report. I immediately reached out to TransUnion and told them that I had some inquires that werent me and I would like them removed due to fraudulent activity. TransUnion refused to help me remove them and told me there was nothing I could do. Im soo upset cause this is hurting my credit and someone unauthorized, used my info. The fraudulent inquiries are listed below : XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX 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 08-12-2015 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received a loan from ECSI under XXXX University initially in XXXX. I attended XXXX XXXX XXXX XXXX, Il from XXXX. I made payments of {$80.00} in school as I was able to do. As of XXXX, I made payments every month minus 2 months when billing issues with my debit account occurred. As of XXXX, my bill states that my account was current. As of XXXX, I received a bill that stated I was delinquent in my payments and was charged a XXXX late fee. I have continued to be charged a late fee of XXXX per month despite my automatic ACH payment of $ XXXX/month since XXXX. Additionally, no representative can explain to me how my account is 18 months delinquent and continues to be more and more delinquent although I continue to make payments. This has prevented me from allowing to list this account for loan repayment because it is delinquent although I make monthly payments higher than the required amount, monthly. Each time I ask for an answer, I am referred back to my school who does not hold this information. Lastly, if more of my payments were charged toward my principle each month, I would not be delinquent, I have been told that this is not an option, when, in the past, this was an option with paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Debt collection (Other debt) with I.C. System, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am writing to inform you I have been a victim of identity theft and many of my accounts were compromised without my consent someone from a company contacted me about a alleged debt. Date XX/XX/2018 Amount :  XXXX I sent a certified Affidavit to the third party company for alleged debt. I did not authorize the account and I do not have a contract with the company.

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 07/25/2016 about Mortgage (Conventional fixed mortgage) with ACADEMY MORTGAGE CORPORATION (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Lender said that the Mortgage payment was XXXX. After closing, they said my payment was XXXX for the first payment. I could n't find out why so I called and they said they would fix it. They called back and said that PMI was left off of the and that I had to pay it. I thought that the XXXX included the PMI and my closing documents do n't say anything about PMI.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: I was a XXXX customer. I cancelled their service in XXXX. I have still to this day not received my final bill from them. 45 days after cancelling their service they automatically charged my debit card for XXXX without my permission. They say that it is in their terms and conditions that they are allowed to do so, but are unable to provide me a copy of the SIGNED terms and conditions. I called my bank, JP Morgan Chase, and they pretty much told me that since it was in XXXX 's terms, once again that they are unable to provide, that they were not able to further process my complaint and pretty much told me i was on my own. Mind you that I have never been signed up for any automatic bill pay or anything with XXXX. I would gladly pay my bill as I have excellent credit but on my own terms and with the payment method of my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WAKEFIELD & ASSOCIATES, INC. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is against XXXX And XXXX. 
They bought these debts from XXXX XXXX. 
Which XXXX bought from XXXX. 
I WON the Litigation AGAINST XXXX in XXXX XXXX, CaliforniaWith many others!!! Shame on XXXX XXXX XXXX for such " stupid '' purchase! 
NOT A REPUTABLE or RESPONSABLE OUTFIT!!, when purchasing bogus debts and outRight destroying somebodies Credit Report without even properly investigating the facts and proof FIRST!!!!! Their lid emcee should be stricken from them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/2014 I received a hard inquiry on my Equifax credit file from " XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX ''. I have never done business with or applied for business with that company. I disputed the inquiry with Equifax and they told me that they could not do anything, I would have to dispute it with the creditor. I called the number they provided me with ( XXXX XXXX XXXX ), no answer ; however, I got the voice mail for a man by the name of XXXX XXXX. The number Equifax provided me with is not for XXXX but some random man by the name of XXXX XXXX. This is my formal complaint to get this issue taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: I have been denied a refinance on my primary residence because of a erroneous report to the credit bureaus by Wells Fargo Financial. I originally had my payments set up on automatic payment schedule but was forced to cancel because the payment was due to be withdrawn on the XXXX of each month and they were taking the payments out as early at the XXXX of the month resulting in overdraft charges. My management fees can not be collected until the end of each month and my Social Security check is deposited the XXXX Wednesday of each month. These withdrawals would have been covered on the XXXX of the month., The credit union refused the last withdrawal when I informed them of the issue and I sent them a check as soon as we were sure they were not going to attempt another withdrawal. They added late charges and add'l interest to my account. When I requested that the charges be reversed they refused but suggested I have the balance added to the end of the contract. I responded that ethically they should reverse the charges but if they would not then I agreed to have them add the charges to the end of the contract. After offering to do so they instead left the overdue balance on my statement and continued to add more late charges. After many attempt to resolve the issue I gave up trying and eventually they wrote off the balance. I paid all of the principal payments and interest to the end of the contract but they reported it as a " short pay '' which affects my ability to refinance.

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