milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Debt collection (I do not know) with NCC Business Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A company called NCC Business Services is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$3900.00} but I have never done business with them and I have never received any letters or notices from them. Why did they not send me a notice of my right to dispute this debt before they reported it to my credit? The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion Credit Reporting Agency showed XXXX ( XXXX ) Collection against me in XXXX 2015. I disputed them with a CFPB complaint, XXXX! The original Creditor, XXXX XXXX XXXX and the Debt Collector, XXXX XXXX XXXX XXXX responded and sent letters. I was told that there was an error in the reporting. I was told that the original creditor ( XXXX XXXX XXXX, XXXX XXXX ) instructed the Debt Collector to remove my name from the account ( s ). The Debt Collector ( XXXX XXXX ) told me that TransUnion would remove the Collections from my Credit Record in 30 Days. I waited 45 days and checked. It was still there. I filed a complaint with TransUnion and they never responded. So I am back again to you, CFPB! Please help me to resolve this issue as it is affecting my ability to refinance my home!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with AMERICAN EXPRESS COMPANY (KY).
Issue: Billing disputes

Complaint: I have my internet service through XXXX XXXX. The company has been charging my American Express credit card every month but not giving me credit for the charge every month. InXX/XX/XXXX XXXX XXXX charged me {$1400.00}. The charges should have been on the order of {$700.00}. They are charging my credit cardXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXXof this year as well and I have not gotten credit for any of the charges in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I was behind XXXX mortgage payments with Wells Fargo. We successfully completed a loan modification and rolled the XXXX payments into the new agreement. In the mean time Wells Fargo took the amount of the XXXX payments from my credit union account without my without my knowledge nor permission. Simply put, they are taking these payments twice. This action has led to numerous overdrafts and fees as well as leaving me with no money. Wells Fargo has promised to rectify this situation daily since last week. As of XXXX EDT today ( XX/XX/2016 ) no resolution. Please Help! 
Respectfully submitted,

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 03-06-2017 about Debt collection (I do not know) with BTH Management (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: plaza services XXXX did not call me or send a letter stating i owe this debt, also not giving me verification of this debt, or a chance to dispute this debt before reporting it to the credit reporting agencies. now this debt is reporting on my credit report causing my credit score to drop XXXX points, disqualifying me from receiving the home loan i currently applyied for

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 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I XXXX, have lived in the apartment at XXXX XXXX XXXX, XXXX XXXX XXXX, SC for 6 years, with the same carpet flooring and same painted walls without an upgrade to the apartment which should have been done every XXXX years. Your letter is claiming I created this debit for upgrade to the apartment after I have moved out and not in a court of law but through the credit reporting process. 
However the documentation they sent fails to show in detail what was my responsibility verses the everyday wear and tear for the 6 year time frame I occupied the apartment. and the responsibility of the XXXX XXXX to maintain adequate carpeting and painting of an apartment you rent from the after you move out of the apartment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with Convergent Resources, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This debt does not belong to me. I have requested documentation verifying that this debt belongs to me and I have not received it. I would appreciate it if this company could provide the information that they used to verify me as the owner of this account or delete this negative account from all XXXX credit bureaus asap.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: On XX/XX/XXXX I first filed a dispute regarding an unknown medical collection on my Equifax credit report. Equifax responded to me and indicated they had verified the account and advised me to contact the reporting collection agency. 

On XX/XX/XXXX I sent a certified letter to the reporting collection agency requesting the information they have regarding this account. The collection agency sent me a letter indicating they would verify the account and send me additional information. 

On XX/XX/XXXX I had not yet received any information from the reporting Collection agency and I called them at their office. They informed me on that call that they could not verify or provide me any information and that my account was closed in their office. I followed up that call with a certified letter requesting a withdrawal in writing of the claim so that I could send it to Equifax. 

After my phone call on XX/XX/XXXX with the reporting collection agency, I filed an online dispute with Equifax letting them know I have done everything in my power to discover and rectify this error with the reporting agency, and that the reporting of this account is an error. 

On XX/XX/XXXX Equifax reported back to me they have again verified the collection with the reporting agency and advised me to contact them again. I have contacted them again and they assure me they are not reporting the account. 

Equifax continues to report this unverifiable account on my report. It seems unreasonable that Equifax continues to require me to rectify with a collection agency whom will not tell me anything other than that the account is unverifiable and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had an account with  XXXX   XXXX   XXXX . I did n't realize that I did n't return my equipment to the company until I began receiving phone calls fro m Southwest Credit Systems. W hen I first received the call I told them that I still had the equipment. They instructed me to contact  XXXX   XXXX   XXXX  to have the issue resolved. I had to cancel my account because I was moving and the company did n't offer the services in that area. I returned my cable and internet equipment to  XXXX   XXXX   XXXX . They claim they have not received the equipment and they are unsure of where it  XXXX  be. I have been calling them at least twice a week for the past month and half. No one at  XXXX   XXXX   XXXX  seems to want to offer me any help. They stated that there is nothing they can do as the equipment should 've been returned 60 days after closing the account. I said no where does it state that they ca n't accept any equipment from me because it has been over the 30 day period. I have asked to speak with supervisors who have told me they would contact  me within 72 hour  s of creating an investigation as to where my equipment may be. As of now it  has been  XXXX  days later and still have n't received a response. As a result of that,  Southwest Credit Systems calls me every day at least 10 times a day from various different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit card protection / Debt protection

Complaint: I had signed up for " Payment proctection '' with Capital One for my credit card. I stopped paying due to financial issues and now they are suing me in XXXX XXXX Court. 
The payment protection add-on I paid for was described to be me as an insurance against a default. The company said I would be covered but they refused to honor their promise and now I 'm being sued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My partner and I bought a house together. We were not married. I was the XXXX of our XXXX kids and had not had any income for 7 years prior to applying for a mortgage. Bank of America approved our loan in 2007. About 2 years later, when the housing crisis hit, my relationship also tanked. My ex stopped paying our mortgage. There were several refi programs available, but neither Bank of America nor XXXX would allow me to apply for refinancing stating I was not the primary borrower. The net effect : they allowed me to be on the mortgage despite having no income. When I tried to refi, they said no, but were still holding me liable for the debt. It seems they discriminated against me in that they were holding me liable yet not offering me the same relief they were offering others who wanted to refi. 

The house went into forclosure. I want my name cleared and the forclosure off my credit record because they refused to help me in the way they were willing to work with my ex as the " primary '' borrower.

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 10/16/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX is attempting to collect a debt that I do not owe. My credit profile took a huge downfall due to the company reporting several accounts as collection accounts. The information they are reporting to the credit bureaus is incorrect. The company bought this medical debt and the original creditor is XXXX XXXX Department. The accounts that XXXX XXXX XXXX are attempting to collect have " service dates '' that were covered under a charity care that was provided to me from the hospital, XXXX XXXX XXXX XXXX. XXXX XXXX Department utilizes this charity care program as well. Due to communication issues not involving me, my charity care was not forwarded to the XXXX XXXX Department and my coverage was not applied to several accounts. In addition, these same accounts were sent to collections without notification to me and, as expected, really hurt my credit profile. In an attempt to help this matter, I provided documentation to the XXXX XXXX Department showing that I was covered 100 % during the service dates. I have had several communications with XXXX XXXX Department over the phone and via email and they are aware of the situation and said they have forwarded information and documentation to XXXX. However these accounts are still reporting as of today. I feel this is unfair and I would like this fixed immediately. I want to ensure that XXXX XXXX XXXX corrects these errors, remove this information, and cease reporting this incorrect information to all three credit bureaus. I also want to prevent this incorrect information from being reported again in the future and/or sold to another collection agency. I would like this situation cleared up immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (AR).
Issue: Problems when you are unable to pay

Complaint: Exeter finance has now lied XXXX times they refuse to fix anything they mess up and dont honor anything they say first in XXXX on XXXX/XXXX/2015 they said I could do a two month deferral just fill out a form and return it by email filled it out sent it in got a call saying they do n't accept e-signatures ( even though they are legal 15 U.S. Code Chapter 96 - ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ) but fine I resigned it with a LIVE signature logged back in to their secure messaging portal and sent it back in BEFORE the expiration date of the offer. I got some money and made a payment so I assumed I was AHEAD since XXXX months were deferred then a few months later I get a call they say I am past due by way more than would be possible I explained the situation and the rep says they never got the live signature form ( have proof it was in fact sent successfully ) but if I make just XXXX payment we can do a new deferral and all will be well again, this time no form is ever sent they collected the payment customer service now says im not eligible for the deferred payment agreement and must pay now to avoid repossession I pay them again explain that I was on unemployment and that billing me in this manner does nothing more than keep me behind and make it impossible to catch up I was now demanding they correct the XXXX previous deferrals THEY promised and no one could help not customer service not a manager NO ONE XXXX rolls around and I am past due now I have had nothing but unemployment for XXXX months but I advised them I was starting a new job on XXXX/XXXX/2015 the lady tells me again just make a payment call back in tomorrow and ask for the deferral and you will be current and can finally get back on track I gave them the last of my money as in my grocery money my gas money everything I had to make a payment I call the next day and the rep says well now you have a payment due because its your due date and you ca n't get a payment deferral unless you make ANOTHER payment I have nothing he tells me they dont have to honor their word because thats just their policy. On top of this fiasco they charge outrageous interest to the poorest customers college students like I was when the loan originated and that is just absurd we need help more than anyone so if you 're going to make us your target audience you need to be willing to work with the financial situation you KNOW we are in from day XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am in the Public Service Loan Forgiveness program. I began working in XX/XX/XXXX and immediately filed paper work to have my loans consolidated so I may join the program. Due to multiple errors and delays in processing, I was n't allowed to begin making payments until XX/XX/XXXX. I have tried to remedy this complaint with Fedloans servicing, who is my current loan servicer, however, they wo n't allow my me to make payments for the lost months in this error. My loans were officially dispersed on XX/XX/XXXX.
Furthermore, additional errors were made in my account. In XX/XX/XXXX my payment had tripled incorrectly due to a glitch in Fedloans system which would have sent out notification for me to re-certify my payment plan. Management acknowledged this error, however, I was placed into forbearance even though this issue had not been my fault. Thus I was delayed in making payments for an additional 2 months due to being placed in forbearance. I was even told it would be an administrative forbearance but I have since found out they categorized it as a hardship forbearance. On XX/XX/XXXX, under the guidance of management at Fedloans I had made a payment of XXXX to count toward my PSLF. I have now learned that Fedloans has not even counted this payment as they claim there is no active bill for this month ( as they still considered me on forbearance. ) I have however, verified that a manual override was placed in my account, however, I have still not received credit for this payment.
I would like to be allowed to make payments for the months ofXX/XX/XXXX, XX/XX/XXXX which I was not allowed to due to being placed on forbearance for an issue I did not cause. I would also request the payment I did make inXX/XX/XXXXbe counted toward my PSLF as it was under the guidance and recommendation of Fedloans servicing management that I make that payment. Furthermore, I request to be allowed to make payments for the month of XX/XX/XXXX and XX/XX/XXXX to count towards my PSLF as processing errors which occurred during that time were not my fault.
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Is Navy Federal Credit Union in violation of escrow policies and procedures? 
When the escrow account has a balance at the end of an escrow period, a refund should be processed as the funds collected were for the payments scheduled for the escrow period. 
Navy Federal Credit Union is collecting and holding escrow payments for subsequent periods instead of ending the current escrow period and identifying accurate projections and payments for the following period. 
Additionally, Navy Federal Credit Union has informed its customers that they are now doing escrow analysis on a different calendar year than before, XX/XX/XXXX-XX/XX/XXXX instead of XX/XX/XXXX-XX/XX/XXXX. Has the bank received special permission to change the period? Are other banks doing this practice? Have escrow guidelines changed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   XXXX   XXXX   pulled my credit three times in  XXXX  of   XXXX  .     I did apply to refinance my truck loan in  XXXX    XXXX   but, I do not understand why my credit was pulled  three times? For the same loan. I have disputed these with all   XXXX   credit agencies and within 24  hours I am being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my FICO score. The irony here is that  XXXX   XXXX  declined me for a credit line increase on my credit card because I had too many inquiries.         XXXX   :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX   Experian :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX    XXXX  :  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX / 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 non-monetary relief
Consumer complaint received 10-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Unauthorized transactions or other transaction problem

Complaint: XXXX XXXX - I made a transaction from my XXXX account to my XXXX ( Coinbase ) Ether account of XXXX XXXX worth {$860.00} at that time. 

I realize that I must not send XXXX XXXX to my XXXX Ether address. However mistakes happen and now I have {$860.00} dollars worth of XXXX sitting at this address at XXXX and I ca n't access it. 

I immediately tried to cancel the transaction but it was too late. I also immediately contacted the customer support but I was told that the money is not accessible. 

I understand that I made a mistake and I also understand if I have to pay a service fee to get my money back - but I ca n't accept that the money is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Consumer Loan (Installment loan) with CNG FINANCIAL CORPORATION (NM).
Issue: Problems when you are unable to pay

Complaint: Took out a payday loan from Check n Go small loan lender in XXXX XXXX, New Mexico. Due to financial hardship was unable to make regular payments. Revoked ACH authorization for automatic withdrawls from checking account, but company continues to make withdrawls or attempts to make withdrawls from my checking account resulting in bank overdraft fees and additional financial hardship

Company response to consumer: Closed with explanation