milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/XXXX, I was trying to qualify for a home loan I was confronted with a debt from a company Receivables Performance. I XXXX the companies contact information. I spoke with several people about the debt they stated I owed to XXXX. I asked for a breakdown of the charges owed to XXXX. On my credit report it's currently reading I owe a balance of XXXX highest of XXXX. I then asked for a letter of some kind to confirm the balance. The representatives of the company stated it would take 30 days I also asked for a letter to confirm they are truly collecting on the behalf of XXXX. I was said they sent me a letter in XXXX. I explained I never got it. I even asked them to email it to me it was against companies policy. After going back and forth I paid what was to be a settlement amount of XXXX on XX/XX/XXXX. I was then told I would get a letter via email to confirm that the bill was paid. It was also stated to me that the settle would be updated on Sunday XX/XX/XXXX. After 24 to 48 hours of the payment clearing my bank. I called back on XX/XX/XXXX and spoke with yet another representative to confirm my payment and asked about my letter to confirm my payment I was told the letter takes 10 days to generate. I still don't have a letter or receipt of payment. I was called on XX/XX/XXXX and asked to make a payment of XXXX or XXXX to settle the remaining balance of the debt. I stated to agent I paid the agreed amount the agent kept saying that wasn't what we agreed upon. I asked for a manager. The manager said she was sorry my number was accidently called 5x and would remove my number from the data base and would sent my receipt of payment within twXXXX hours of our phone conversation. No letter or email. I called back on XX/XX/XXXX requesting a receipt the agency told me it was under review and I would get it in a hour of our phone call.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been in contact with Capital One via phone, mail, and email regarding late payments that they have reporting on my 2 open accounts. I have requested that they provide me with more information than " we have researched and found that these late payments are accurate ''. They are reporting 8 late payments in 2017 for one account and 2 for 2017, I have requested documentation showing when the payments were due and when the payments were made, I also asked for the phone call to be reviewed when I made a payment arrangement to bring my balance down, as I was informed that the late reporting would NOT report if I made the payment arrangement and paid it on time ( I completed the payments prior to schedule ). And all I received was a letter indicating that " we have researched and found that these late payments are accurate ''. They have proved absolutely nothing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed many times inquires on XXXX, XXXX and Experian that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to 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 07-06-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX of 2016 I signed up for XXXX XXXX internet and phone service. Over the course of the next several months the services would constantly come and go. On 3 occasions XXXX sent service techs to our house to try and remedy the problems. After doing so, they would work intermittently and stop working for periods of time. My wife and I rely on dependable internet service to do our jobs and so after 40+ hours of lost time working and several other hours speaking with XXXX representatives we decided to cancel the service and get something more dependable. I called and cancelled my service with XXXX and told them I would no longer pay them for the service they were NOT able to provide, in doing so they also tried to tack on an early cancellation fee which I also refused to pay since they could n't provide the service. At this point, XXXX was attempting to collect a {$90.00} for service and plus another {$90.00} for an early cancelation fee. After sending them a letter stating all this, they sent it on to a 3rd party collection agency to try and collect. I relayed this 3rd party that I was disputing this debt they say I owed due to the reasons listed above and I did not hear from them again. Now, another 3rd party collection agency is once again trying to collect this debt now totalling {$250.00}, and they have gotten far more aggressive. Today alone, I have 5 incoming calls from Southwest Credit. To sum it up, I would be happy to pay for service provided but I refuse to pay for service I did n't get and ulitmetely cost me money for lost work and I definitely refuse to pay a cancellation fee for cancelling service that did n't work.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Deposits and withdrawals

Complaint: I bank with Fifth Third Bank in XXXX Ohio. I have a business checking, personal checking, savings, and XXXX investment accounts with them. 
I deposited a business check from a customer out of state that I have deposited XXXX checks in the past two and a half years without any problems with regard to XXXX. 
I have not deposited a bad check since opening my account with Fifth Third in XXXX. 
The check was deposited on XXXX XXXX, XXXX and cleared by the bank that it was drawn on on XXXX XXXX, XXXX. 
Funds were withheld from my use until XXXX XXXX, XXXX. 

It 's obvious to me that Fifth Third Bank has the use of MY money from XXXX XXXX to XXXX XXXX, XXXX and therefore making money off of my money without compensating me. 
Is this practice one that is condoned by CFPB?

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Student loan (Private student loan) with ECMC Group, Inc. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: ECMC has been taking my tax returns to pay off private student loans for 4 + years. When asked for a statement showing all my tax returns being applied to open loans they can not provide me with any prof!!!! It has been at least 4 years at at least {$2000.00} per year, they have also been taking my state returns at about {$100.00} per year. That 's well over : {$8500.00} estimate. Yet they still claim I owe them the whole balance of {$13000.00}. MY loans should be at {$4500.00} NOT {$13000.00} I have read online that I am not the only person that this is happening to. It is scary and I honestly feel like these loans should be forgiven. The schools I attended have both lost their accreditation. Both have also been involved in class action lawsuits.. I am at a loss about what to 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 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Metro Collection Service, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I emailed and delivered a written statement to an employee of Metro Collection Service also provided a hand written receipt by an employee of XXXX at XXXX which verified my rent account was paid in full on XXXX/XXXX/2016 also my final payment before vacating the premises on XXXX/XXXX/16. Metro Collections employee called and spoke to me about this debt. I have a certified fund bank receipt in the amount of {$960.00} dated XXXX/XXXX/16 and a hand written receipt from XXXX XXXX XXXX dated XXXX/XXXX/16 with Account Balance {$960.00}, Payment {$960.00} and Balance Due XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company attempted to collect a debt that is not owed to them, furthermore, they are in violation per the HIPPA laws. On XXXX XXXX, 2017 I sent the company a letter requesting validation that I have a contract with them and I have not received a response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Medical) with APEX Asset Management, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX in XXXX XXXX and was transported to the hospital by ambulance. I had medical insurance at the time but I did not have my insurance card at the time. Later, I called and provided my insurance information but the amount on the bill never changed. I called again but they insisted that I still owed the same amount regardless of insurance. After my refusal to pay, due to the refusal to apply my insurance, they sent my account to a debt collector. This was about 5 years ago and Apex ( debt collector ) has continuously called, at all hours of the day yet they never leave a message nor have I ever received a paper bill. This debt is negatively affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (UT).
Issue: Billing disputes

Complaint: I was told I would have a permeant credit of XXXX USD. Not the full amount of XXXX USD XXXX XXXX transaction. The issue is you guys are request more from me. I read the email you sent to my account online. I also called your customer service today. No one had a clue what was going on. I would like to know if my permeant credit is what it states. I received a letter via email stating I had a permeant credit. I am confused and would like someone to call me please.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (PA).
Issue: Other service problem

Complaint: I tried to link my bank account to a third party so that i can transfer funds but when I tried to link it gave me an error saying that my bank is blocking me from doing so without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Absolute Recovery Services, LLC (MS).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have no knowledge of this account. I have been denied credit because of this account. I have tried to dispute this account and could not get it off of my credit. The company reporting the credit item has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me. The other account was disputed but not this account, when they have the same information on both accounts.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MicroBilt / PRBC (formerly CL Verify) (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: PRBC MUST disclose my consumer report to my mailing address provided below.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (I do not know) with Penn Credit Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This call is from XXXX XXXX XXXX, Phone number XXXX-XXXX-XXXX. I receive this call on average of twice a day and I have no idea who they are or why They keep calling my number. There is no way in the call to respond to a person , you are only allowed to press a key.  Yhis is very frustrating and I want it to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is my XXXX complaint to CFPB on this same issue with Navient. I am the co _signer on my XXXX XXXX loans and have been making payments per Navient since XXXX. These payments and due date have been set by Navient and on automatic debit from my checking account on XXXX of every month. Starting in XXXX of XXXX I received e_ elert informing me my payment is over due I call Navient to inquire and customer service rep was of no assistance telling me it appeared I overpaid and wait till next month payment to see if payment adjusts.In XXXX I get same alert and call again relay same conversation with previous rep and was told my due date was the XXXX and had 10 day grace period I told him Navient picked re-payment date so why the past due alert? He said he would adjust account. XXXX I get no alert of past due payment but in XXXX I get monthly payment notice but notice I am being charged a late fee. I call Navient again and voiced my frustration with matter and ask to speak with supervisor I was turned over to another rep ( not a supervisor ) and again go through process of explaining problem this individual ask for account and I read account # off Navient web site and she tells me this is Not a valid # for a private loan and insists it is my fault for late fees because I was not paying on XXXX but on the XXXX. I inform her that Navient picked date and continues to argue the point of it being me who is at fault I ask her why I had no issues from XXXX to XXXX? Her response " I did n't set up re-payment plan '' I demanded to speak with a supervisor ( XXXX XXXX and again explained my issue to her she came back as says I see the problem ( your payments have been mis-applied ) I ask her why this continues too happen ( XXXX time in 4 years ). She has no answer but would adjust late fees charged and I ask about interest charged how do I know it 's has not been mis-applied her comment was ( go ask my son he signed loan ) I ask for a loan and re-payment break down on XXXX of XXXX loans and was told she would send me original loan. I want the loan break down for loan # XXXX in original amount of {$6400.00} loan has been paid since XXXX/XXXX/XXXX and now is at {$5700.00} after 8 years of payment prove to me all payments have been applied correctly to this account. I have done Everything I can to uphold the contract on re-paying these loans but have spent way to much time and energy ensuring that Navient holds up their end of contract. I have had enough these loans do not end per Navient re-payment plan until XXXX I will not tolerate this type of behavior for another 27 years if CFPB can not help with this matter I will take the legal recourse that I seen appropriate. XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Deposits and withdrawals

Complaint: XXXX claimed that I gave them permission to take to automatic take money out of my First, TN account forelectric service to my home at XXXX XXXX XXXX I called them and asked them to bill me directly. I paid my account for XXXX and XXXX in person before the due date, however they continued to debit my account leaving me with overdraft charges. I paid the last bill XX/XX/XXXX and again they took the money from my account after I called them earlier in the month and told them not to debit my account. I checked with them and went to the bank today and XXXX continues to say that I gave them permission to debit my account which is false. My account is now overdrawn. The person at XXXX continues to be overdrawn. I asked the person on the telephone how long this have been going on an she said since XX/XX/XXXX. 
XXXX XXXX TN. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXFIRST Tenn Bank XXXX, TN

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Billing statement

Complaint: I have a credit card with Bank of America. I could n't figure out how I always had a balance carried forward even though I always paid the " current balance '' in full before the due date. 
Then I realized : the bank has set my payment due date BEFORE the end of the finance period, so that unless I do n't use the card, some charges will be posted after I make my timely payment. 
Example : my B of A payment is due on XXXX XXXX. I pay the full balance on XXXX XXXX so as not to be late. In XXXX, I find a 'beginning balance '' amount, on which interest has been charged, for transactions on the XXXX, XXXX, and XXXX of XXXX. They are listed as having been retroactively due with the XXXX payment. 
Is this not dishonest? Sneaky? Possibly Fraudulent??? How many billions do these guys collect in interest from people who think they are paying in full every month?

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 06-08-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The company Midland funding has filed a lawsuit against me, after that the original creditor XXXX XXXX has investigated this identity theft and dismissed all debt, The collection company was contacted by XXXX XXXX and informed to cease-and-desist, The bad debt was bought back from Midland funding by XXXX XXXX, yet Midland funding is still trying to collect on the debt they no longer own and also has been found to be under identity theft and has been investigated, I have giving copies letters from the original creditor to Midland funding 's attorneys and the attorneys still persist on suing me for debt that they do not own and have been told that it is under identity theft, also copies of the FTC identity theft reports and police reports and they still ignore that this has been found to be identity theft. I have spoken with XXXX XXXX the original creditor and they are going to resend all their letters to Midland funding. Not only am I being sued for debt that I do not own and that debt that Midland funding does not own but this is also in my credit reports in which they refuse to remove from my credit in which is stopping me from buying a home. I have paperwork with XXXX XXXX 's account numbers and Midland funding 's account numbers on the same letterhead from Midland funding I have also brought this to light and that this was dismissed By letter from XXXX XXXX. Please any help with this would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: HSBC Mortgage Services Inc . I am trying to pay off this loan and in the end they are doing everything they can to keep getting interest. There is no way other than calling to make a principle only payment, and any payment you make just keep pushing your next payment date out. i call to get it reversed every time and have to have a 30 min phone call to get it fixed. they next time i call to make a principle payment, i clearly state what i want, she even tells me what i am calling about. in the end she puts in wrong so i have to now call back and get it applied to the principle. if i do my monthly payment on line and i make it for more than the amount do, any extra is put into an unapplied funds account that they just get to hold on to for a month and not apply it to my account again gaining interest and they get to use my money for a month for free. I have called them to make sure all funds get moved to principle payment, and they said they put a note in the account but can not guarantee that it will be applied every time. there web site is lacking the basic functions that any lender should have on there web site. will not use HSBS for any other banking needs for the rest my years left on this earth.

Company response to consumer: Closed with explanation