milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Checking or savings account (Other banking product or service) with NAVY FEDERAL CREDIT UNION (WV).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/ I submitted an online bill payment to XXXX XXXX XXXX XXXX in the amount of {$400.00} from my Navy Federal account, just I had done many time previously. I selected their Rush Delivery option since I was a few days away from my due date. 
After few days, I was contacted by XXXX and they informed me that they had not received my payment. I immediately followed up with NFCU and was told that they would investigate, since from their end, the payment was showing that it was sent. 
My first contact with NFCU was on XX/XX/ through their online message center. I have since spoken with them by phone on 7-8 occasions and once in person at the branch, in addition to numerous communication via the online message center. 
I have been referred to XXXX XXXX, have been told to contact XXXX  and ask to be patient, all of which I have done. XXXX stated they have no record of the payment being processed, although past payments have made it successfully. 
In ever case where I spoke with NFCU I was told that they would contact me in XXXX hours and to date I have not received one phone  call from them, I have had to initiate every communication. 
My last conversation with them was yesterday afternoon, XX/XX/XXXX and was once again told that the issue was being escalated and they would contact me when there was a resolution. I told them that I wanted a phone call before the end of the day and the money deposited back to my account, or applied to my car loan at XXXX   before the end of the day. They stated that they would call one way or the other. 
I did not receive a phone call, but instead a generic message in the online message center with the same verbiage as the other 10 messages that have not resulted in any resolution. 
I am requesting that an investigation be opened into the deceptive and illegal practices of NFCU, my money be returned to me ( {$400.00} ) along with {$65.00} in late fees that I have incurred, and the {$5.00} fee that they charged me to send the payment " Rush Delivery ''. 

I would also like to know what remedy I have for the countless hours that I have spent tracking down a what has happened to my money that I entrusted NFCU with, and which I no longer have, nor does my the company that was attempting t pay. 

I can be reached by phone at ( XXXX ) XXXX Email - XXXX 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 01-05-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: No legal validation for this collection. Requesting actual account and chain of assignments to show ownership. NON ASSUMPSIT binding both parties. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX send via certified mail to this company. They are in violation with the laws. The Credit bureaus and also in cahoots with these people. This is an unverifiable account. I have made several attempts to deal with this matter. I want to know who is the agent for this company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: I called Nationstar today to follow-up with the modification application I applied for XXXX XXXX, XXXX. In speaking with the representative, I learned that my property had a sale date for today, XXXX XXXX, XXXX. This was surprising news to me because I never received a notice in the mail or by certified mail of this action. The representative emailed me a supposed notice from XXXX XXXX, XXXX about the property 's sale ; however, the alleged notice of sale she emailed to me did not have my mailing address or my property address on it ; nor did it have a sale date. Besides, when I spoke to the Nationstar representative after my modification denial letter on XXXX XXXX, XXXX he told me my mortgage account would be on hold 30 days after this denial letter ; and then another 30 days for the published public notice. 

I need clarity on how my property was up for sale without me being notified and without proper procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Medical debt) with Credit Service Company, INC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX   XXXX   XXXX   (  XXXX  of    XXXX   XXXX  , Co. ) was was contracted by hospitals for medical bills I could not afford to pay when I became  XXXX  in  XXXX . The court awarded them {$2000.00} to get from me in  XXXX . Meanwhile I went to work for  XXXX   (  who hires the  XXXX  ) in order to try to pay some of my medical bills and    XXXX   XXXX   gar nished my wages an amount of {$1300.00} in  XXXX . Until labor laws made it unlawful to garnish wages when a person only makes minimum wage. They never sent a bill for the remaining amount until this year they ran it back through the court and never claimed they had already collected the money they had garnished and only claimed the original amount awarded was still unpaid. Now they are trying to collect the full amount awarded by the court of {$2000.00} all over again. I have documents to prove all of this.   Thank you  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 11/26/2017 about Debt collection (Auto debt) with EQUIFAX, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Equifax is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended XXXX XXXX and they set me up with student loans that now belong to Navient. After unsuccessfully finding a job in my field, and no thanks XXXX, I found myself in default and unable to pay my massive loans. I have finally reached a point in life where I can attempt to repay my debt. After negotiating with Navient, I have been sending payment to Navient, but it only covers the interest of my loan. My principle still looms over my head. It was the best deal they could give me I guess. Please help.

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 Experian Information Solutions Inc. (AZ).
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: I have sent in numerous information that proves an account on my credit report is not mine. Everytime i call them they change their story staying they have n't received it to " oh yeah we did receive it but it has n't been review yet. this was over a month ago. They constantly change their story and do not give me a straight answer. Ive been recording every call wit them proving that the are lying. I demand that they take all collection account off my report as I proved that all of them are not mine.

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 05-02-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (KS).
Issue: Trouble during payment process

Complaint: Ocwen receives my payment on  XXXX   XXXX ,   XXXX  . The  XXXX   XXXX  NUMBER is :  XXXX .     Even after ocwen got it on  XXXX   XXXX  they post it on  XXXX   XXXX  date. This effects my credit.     It should be posted the day they get the payment and not when they feel like.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a student and do not have the money to be represented by an attorney or any other agency. I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Medical) with ESCALLATE, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a big issue on a medical collection on my credit that I have no idea what it is. Knowing that I am a XXXX and I have wonderful health insurance, I have no idea how I can owe a debt to this company for {$690.00}. They claim on my credit this debt is from XXXX XXXX. I am not aware of any medical bill I did not pay. On XXXX XXXX, XXXX, I send Escallate LLC a debt validation letter requesting more information related to this debt. To date I have not received any proof from them that I owe this debt. I disputed this collection with the Credit Reporting Agencies in XXXX XXXX but even after Escallate LLC did not send me proof, they told the Credit Reporting Agencies that I owe this? If I did owe this debt, my insurance company would have paid and I would not have been responsible for this.

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 07/27/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have sent payments to PennyMac mortgage using XXXX XXXX XXXX Billpay since the day they bought the paper. Now, for the last 3 months, PennyMac has decided they will apply my payments only to principal reduction. If I did n't catch this 3 months ago, I would unknowingly be behind on my mortgage payments. It seems like XXXX, XXXX, & XXXX all over again! Each of the last 3 months, I have had to write letters requesting PennyMac to properly apply my payments. They have corrected the issue each time but it takes a couple of weeks for them to get it right. I am concerned that they are possibly over charging me for interest for the days they are taking to fix their errors. I have just asked to be contacted by a loan servicing supervisor but I do n't expect them to comply. I always paid a little more than the payment due to try to shorten my loan period. This month, I sent the EXACT payment due and they still applied it to principal only. Their website is a pain to navigate because they load my computer with cookies that my antivirus program deletes. Every time I try to log in, I have to wait for PennyMac to send me a special code via email so I can access my account. It is really like dealing with a guy down the block running a mortgage company from his garage. I ca n't be saddled with a mortgage company I do not trust so I am going to pursue a refinance to get away from them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with DISCOVER BANK (CO).
Issue: Other

Complaint: re ; complaint # XXXX ... ypu have recieved..i forgot to give you their phone # XXXX and address no physical e-mail Discover.com/XXXX invitation code : XXXX ( really )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2017 about Credit card () with Atlantic Credit & Finance, Inc. (IL).
Issue: Closing/Cancelling account

Complaint: I have been receiving calls on my cell phone and work phone multiple times per day from XXXX at Atlantic Credit & Finance about payment of a past due XXXX Account. He threatens and is very rude and condescending. They have sent me NOTHING in writing to tell me what my balance is or what my options for repayment are. They just demand I commit to paying them {$50.00} every month. We are looking at many items owing and I told them we are evaluating what we can commit to. He then threatens me and tells me they wo n't wait and will just sue me. Again I ask for something in writing showing my balance. I paid XXXX directly {$120.00} this month and they can not tell me in fact if it was applied to my accout

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 10/31/2016 about Debt collection (Payday loan) with ZARVAD III S.A. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: My job was contacted multiple times by people who never have company or personal contact information, but told whoever was on the phone that I was being taken to court and that people were coming to my place of employment to supena me. They never verified who they were talking to, on either occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Consumer Loan (Installment loan) with Argon Credit (CA).
Issue: Managing the loan or lease

Complaint: The company providing the loan, Argon Credit, has discontinued all web access to their accounts. This is the second time they have done this. They declared bankruptcy last year. This loan was entirely electronically based, and no option for paper statements, so I have XXXX background or information for my loan now. 

Also, they initiated an electronic check payment on Friday, XX/XX/2017 without my authorization. I have also never provided my checking account or routing number to them, beyond what is printed on the paper check payments I mail in on a monthly basis. I am not behind on payments, so there was no reason for them to do this. 

I 've reached out to them several times in the past via every email address and phone number I can track down. It took me filing a complaint with the Better Business Bureau to finally get a response from them WEEKS later. 

How does the fact that they 've gone bankrupt and actively withhold loan information affect me? What recourse can I take?

Company response to consumer: Untimely response
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I added an account I had with  XXXX   XXXX   XXXX  in my chapter  XXXX  bankruptcy but they still sent account to a collections agency named  Monterey Financial based in California. Monterey Financial  contacted me several times to collect the debt even after they received paperwork stating that account was included in bankruptcy. My attorney sent them paperwork and they still sent the account to collections which is affecting my credit report since they were not supposed to have the account in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I got a call from my HR at work to tell me my wages are going to be garnished, due to a court ruling lether he got. This blew my mind because I could n't for the life of me think who this creditor could be and how do they have the right to garnish my wages without me knowing a thing about it. My HR gives me the number to call and the company is midland funding which I never heard of ever and they said they got a court ruling to garnish my wages, because they sent several attempts to my address on file and no response, so I ask for the address on file and it 's my mom 's house in which I have not lived in for 11yrs, and my mom never got any mail to me EVER. If I knew it was a court order I would of definitely responded. I know the FTC filed a lawsuit against tribute credit card and I do n't remember ever having that credit card and they could n't produce any info to me but that they are taking my money. This is so upsetting, because I live paycheck to paycheck. This is not right that a court and company will make their own judgements, while the the other person does n't know a thing that is going on. These people are incredible, and the extent they will go to embarrasse you and take your money. As if I had millions. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Consumer Loan (Installment loan) with LENDING CLUB CORP (IL).
Issue: Managing the loan or lease

Complaint: I got a loan to pay for XXXX but the XXXX never was able to provide the service promised a refund but closed his practice finance company lending club will not return money

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I recently looked at my credit reports and noticed that Sears/CBNA XXXX reported negative marks Paid, was past due 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. 
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

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 03/29/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had medical insurance at present time 2014 by the State they made an error that I did'nt have medical coverage when I did. The State sent me a letter showing error and that medical bills will be covered I submitted the proof to the debt collector and they are still trying to hold me liable for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: IN XXXX I sent a letter requesting verification of a debt/collection account reported on my credit report. 

The company responded that the original creditor could not provide the written document I requested and the item would be removed from my credit report. 

I then received a photocopy of a " final bill '' from the debt collection agency showing an incorrect address where service was provided and none of the information I 'd originally requested from the debtor which was a signed original service contract and a payment history. 

Again, I am requesting this account be removed from all XXXX of my credit reports as the information they have attempted to provide is not the items I originally requested and the photocopies they provided are from an address I 've never lived at.

Company response to consumer: Closed with non-monetary relief