milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have referred a complaint to the Department XXXX ( XXXX MD ) and XXXX Services for resolution. The defendant sent my account to NCC Business Services for collections. This entity failed to send me a notice of debt - for more than a week. I called the CEO and he cut off my call. I continue receiving calls, the company is still refusing to send me the letter of debt, nor acknowledge that the matter is still under review between me and my previous landlord. 

The landlord in question is XXXX XXXX. This company opted to threaten us with an adverse incident on our credit record, rather than trying to resolve the underlying complaint. Their verbal statement was, " We did not feel the need to respond to your email, because we knew we would XXXX up your credit if you do n't pay us. '' Consequently, we filed the necessary complaint with our county. They continued to pass on the debt to NCC, who started their campaign of abuse. During the latest call this morning I was told that I was not going to receive the notice of debt at all. I was just to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Transaction issue

Complaint: I erroneously drafted an electronic check ( bill payment ) to my credit card company ( Best Buy ) for XXXX as opposed to XXXX XXXX XXXX/XXXX/16. Absoutely my error. When I caught the error, and tried to stop the check on the bank side I was told it was not possible since the " draw '' had already been initiated from the bank side, and was requested to contact the credit card company. I did so immediately. I was informed by Best Buy that they also were unable to do anything until the payment was actually posted. When it finally did post on XXXX/XXXX/16, I called and was told a refund would take 30 days to process unless I could provide a fax from the bank indicating that the check had cleared, If I could do so I was told that an epedited return could be handled in 4 days. The bank did so on Friday XXXX/XXXX/16, at my bequest. I have called Best Buy several times now, and am being told that it takes several days for a fax to show up, but that they have acknowledged an expedited request for refunding the entire payment. Unfortunately, now they are reporting that thsi will take 9 days to process. I am simply asking that the amount be returned immediately via ACH, in the same way that it was easily processed in a couple of days. I find it egregious that these delays are acceptable in today 's world of immediate electronic transfers.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I recently applied to refinance my student loans with XXXX. I was denied because of what I was told were delinquent accounts.I asked the XXXX rep what accounts are they talking about and they gave me a list of 4. 3 of the 4 are not even companies I've had accounts with and the other was an account that was closed 2 years ago that I was a co-signer on, not the primary borrower. 

I was given the following information to get my credit reporting information. 
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX 1 ) The phone number doesn't work. Regardless of the information one enters or the options one chooses, the answer is " we can not process your request over the phone, submit a written request for information ... '' 2 ) This is the 2nd time I've had something completely false on a credit report from Experian in the past 6 months. ( I filled a different complaint with the CFPB involved a falsely reported accident on my vehicle that resulted in my not being able to trade in my car - the result of the complaint was Experian removing the False information from my report. 

The information from whatever source is false and inaccurate and has caused me financial loss.

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 05/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have spoken with both XXXX ( where the alleged debt came about supposedly starting in spring 2014 ) and Enhanced Recovery Company and XXXX say I do not have a debt with them, nor can they find an account in their system, yet they continue to keep a debt in collections on my credit report after repeated requests to remove it ( and assurances that it would be done ). 

When speaking with XXXX, they are adamant that I have no account with an outstanding balance nor have I ever. My husband has the cellphone bill in his name ... .with a completely different company. 

When I called Enhanced Recovery Company the representative searched and could find no record of an account for me, yet they refuse to remove this fraudulent and completely false record from my credit report.

Company response to consumer: Closed
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with American Student Assistance (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and American Student Assistance loans. My XXXX loans were sold to American Student Assistance in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, American Student Assistance reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to American Student Assistance and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu XXXX and XXXX report for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There is a charge I did not recognize on my account. I have reported this to my financial institution, Chase, and was denied with the reason that I approved the charge at the time of the transaction. However, my wife and I do not remember having a conversation with Chase about this charge, yet, when we noticed the charge, we did speak with each other about finding it odd that Chase did NOT call immediately before allowing a charge like this to post to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit reporting () with Credit Karma, Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: there is a address on my report that i never been or lived in my life

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (KY).
Issue: Deposits and withdrawals

Complaint: I had a joint account with my son that was compromised by fraudulent activity. My son was a victim of identity theft and his account accrued unauthorized charges. A report was made to USAA to rectify the situation, but instead of providing us with outstanding customer service, we were treated like the CRIMINALS. I along with my son and his mom called into the customer service for USAA on several occasions and received horrible service. Each time we called in we were put on hold for hours at a time, passed along from person to person and department to department without anything ever being resolved. I have spoken to supervisors who promise to get back with me within 48 hours and I never hear from them, I am so frustrated with the poor excuse for leadership and customer service that USAA has. Since 2012 my account has been compromised 5 or 6 times and USAA has yet to resolve the issue. I have asked on several occasions to close out and reopen my accounts but they assure me that nothing is wrong. Now I 'm stuck with a {$400.00} bill for fraudulent charges that were n't properly investigated by USAA. There customer service is HORRIBLE!! VETERANS BE WARE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call at all times of the day and night. I repeatedly tell them I am not in the financial position to pay back my student loans but they will not stop harassing me with the same threatening words and of suing. I know as a former student I am fully responsible but I am on a fixed income and can not pay the debts at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDING CLUB CORP (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not give permissible authorization for this company to check my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have worked in public service starting in XXXX. My employer and my employment was certified by XXXX and my public service loan forgiveness was over XX/XX/XXXX. I am still making payments and I can not get anywhere with these people. I should have been one of the first. They have no reason to keep billing me. I asked one agent if anyone has been forgiven on this program and she said one person. I am a XXXX XXXX XXXX and I have saved XXXX life and millions of dollars of of property in my public service job. I have more than what is required by the PSLF. If this is a scam it needs to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Money was not available when promised

Complaint: PayPal put hold on my payment {$60.00} that I paid for a participation in a tennis tournament. I called them and they said that they will release money within 24 hours but they did not do it. There is a deadline for registration soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with Security Credit Services, LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I disputed the debt on my XXXX report which was in the amount of {$1800.00} that was completed XXXX XXXX, 2017 and is now deleted after investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I fell behind on auto loan able to make first payment as requested by a representative I for saw that I would have trouble making the next three months payment. He stated to me he would be able to discuss and give me other options once this payment was made. I made the payment and have had no success in discussing any options. I have since called several times for three months I get the same representative or voice mail, with no call back. The customer service reps are rude, over talk you have no knowledge of services available, start shouting matches, arguments and refuse to discuss any thing on your account available to you. I am threatened several times over a conversation that my car will be repossessed. Several attempts have been made to contact any supervisor or anyone for that matter who can handle my situation, the phone is rigged to a phone number that will not transfer to any other extension.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Call came in, robot about reducing fees, wanted to have my number removed, only way was to talk with some one, they in turn asked for name and they verified my number, I asked for my name to be removed and he said he did not have to and I should expect harassing calls. The call was from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Per us bank response letter dated XXXX XXXX, 2015 mortgage account # XXXX The OCC consent order an enforcement action of XXXX XXXX, 2011 was issued under scope and discovery that said was a GHOST MORTGAGE LOAN ; by-law, per the XXXX XXXX county recorder office. It was discovered that there was no certified and filed re-estate document as a DEED OF TRUST, as assigning us bank NA the beneficiary and their assigned Trustee, and I, XXXX XXXX the Borrower. Because I never had an escrow ( loan ) close with us bank NA on my real estate property, as where a title company could have requested an order ( escrow ) number to be recorded and mailed to us bank a legal certified and filed DEED OF TRUST, per an original escrow file with said title company as holding the real estate loan packet signed and dated by me ( terms and condition of payments, Interest % rate etc. ) also us bank stated ; A foreclosure sale was held on XXXX XXXX, 2011 ( False statement ) The OCC investigation ; no legal record of the alleged Trustee sale certified and filed with the appropriate court nor county recorder 's office. under the OCC jurisdictional review, the check of {$34000.00} was in part reimbursement as in ERROR us bank collected monthly mortgage notes payments from me under this ghost mortgage loan account. per these new issues that the bank raised under this mortgage account number, us bank need to provide the title company that closed holding the original escrow closing file with a original real estate loan packet that is signed and dated by me, Giving the bank legal authority of security Interest in my real estate property, thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I SENT IN THESE LETTERS FROM EACH CREDITOR, DIRECTLY TO EXPERIAN, IN ONE BIG ENVELOPE, THE CREDITORS HAVE ADMITTED TO MAKING ERRORS ON MY REPORT. THE FALSE INQUIRIES WERE SUPPOSE TO HAVE BEEN REMOVED BY NOW AND THEY NEVER HAVE. ITS BEEN WAY OVER 30DAYS NOW.

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 01-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: When I tried to make an account at the XXXX XXXX XXXX XXXX, they said I could not complete the process because my Equifax credit report information was not consistent with the information I provided for them. My birthdate on the credit score is incorrect : It says my birthdate is XXXX/XXXX/1981, when I 'm really only XXXX. I do n't understand what exactly is going on, and I 've yet to get the answers I 'm looking for. I just want them to correct the birthdate so that I can apply for an account with the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX Date of service : XXXX/XXXX/XXXX {$89.00} Collection Information XXXX XXXX XXXX, FL XXXX : XXXX XXXX XXXX The reason this was NOT paid was because my entire XXXX bill was under dispute for at least 6 months due to incorrect coding. WHen it was finally resolved by the physician, I thought that this was part of my coverage. Evidently it was a separate service I owed them this amount. I should have paid them at the time but completely forgot. 

My issue has more to do with the collection agency -they left me ONE message about 2 weeks ago. They claim that they sent me a notice. They DID NOT! I paid the bill in full but again, they should have sent me a notice in the mail and I know they did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Consumer Loan (Installment loan) with USA DISCOUNTERS LTD (FL).
Issue: Managing the loan or lease

Complaint: My husband XXXX XXXX XXXX XXXX and I opened a joint account with this company in XXXX for furniture. We purchased a mattress set and a bedroom suite XXXX My husband is civilian DOD and the payments come out of his pay automatically through allotments bi weekly for {$100.00}. We have roughly paid over {$5000.00} on a balance that was supposed to only be a little over {$4000.00}. After two years we have not seen much decrease in the balance so I have called on several occasions to try and get a physical statement mailed to me so that I could see all of the payments and balances over the past two years. We 're going on close to three years for a balance we were told would be paid off in 30 months. The first attempt was inside a store and after arriving I found out the store had closed, so I called the XXXX number listed on our contract. The representative I spoke with refused to give me information on the account because she said I was n't listed on the account any more. Well I found out they rewrote the contract in XXXX after my husband added a jewelry purchase. I was not notified by phone or in writing that the terms of the contract had changed nor was my husband told that day that I would be removed from the contract. He has also attempted to get an itemized statement reflecting all payments and balances and to no avail. Additionally, the full contracted amounts are still being reported on my credit reports as closed accounts even though they unlawfully removed me from the contract. When I call they claim there is no record of me being on the contract prior to them rewriting it.

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient has send XXXX of my Student loan to XXXX XXXX XXXX XXXX when I remain in College at this with other Student Loan from Navient. Also, my co-signer received the same letter. They should not even be part of my Student Loan. They state that if I pay XXXX that the Loan would be settled. I know this is Not true.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Portfolio Recovery is attempting to repeatedly collect on a time barred account I had years ago with XXXX My caller ID indicates they called me today at XXXX. from phone number : XXXX after multiple times previously informing them to " stop calling '' my personal residence and to contact me by mail if necessary. I informed them that they are " harassing '' me and invading my privacy at my home and to stop immediately. They refuse to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: The complaint involves EQUIFAX AND XXXX report a chapter 13 that has n't been VALIDATED yet still remains on my report. Equifax deleted the reporting and then added it back which is a violation of the FCDPA LAWS that states you have to give the consumer 5 days notice before adding anything back to a consumers file. I challenge the accuracy, compliance, and reporting of both listings. As of XXXX XXXX, the law states the following Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments, and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 
EQUIFAX AND XXXX HAVE FAILED TO VALIDATE THIS INFORMATION ON MY REPORTS AND IS CAUSING ME GREAT HARM. I want these items deleted today.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Other debt) with CITIBANK, N.A. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have tried multiple times to pay this account. When XXXX call XXXX XXXX they say it is with a collection agency. Then when I call the collection agency they say its been with XXXX XXXX. This debt is still showing up late on my account but there is no way for me to pay. How can I be held accountable for This if it 's no way for me to pay? This is causing my credit to go down and this is my final step before legal action.

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