milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2015 about Debt collection (Medical) with Seattle Service Bureau, Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a dispute w/CFPB file # XXXX, the company state that they are closing the account and returning it back to original creditor. Now the Original company XXXX XXXX XXXX has changed the account # and date of service on the bill and have resubmitted it for collections

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Medical debt) with SCA Collections, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I had a XXXX done with my doctor at the hospital. I paid the doctors office the amount that was owed to them and my insurance paid their covered amount. I received a bill in and paid the balance owed in reference to this office visit. Around XX/XX/XXXX, I noticed I have a collection account on my credit report from SCA, a collection agency. I sent this company a validation letter to inquire about the nature of the collection. They sent me a bill for { {$130.00} } from XXXX for a XXXX XXXX on said date XX/XX/XXXX. I provided my doctor 's office my insurance information and they were paid for their services. I do not owe this bill. SCA has responded and advise me that an itemized bill has been sent from the original creditor. I advised the company to provide me with a breakdown of the collections cost and medical charges, I also advised them to provide me with a copy of my signature to the provider of service to release my medical information to a 3rd party agency. SCA has not provided me with a contract with my signature allowing their company to have any copy of my medical bills. This is considered to be withholding information that they received from my medical provider in an attempt to be HIPPA compliant can be a violation of the FDCPA. Cease/remove any credit bureau reporting.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be  lowered because it looks like a recent collection on an account that I just opened

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 03/29/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (VA).
Issue: Managing the loan or lease

Complaint: Wells Fargo Dealer Services Telephone number comes up as " Data Overage Alert '' -- Deceptive and violation of FDCPA

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 07-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: My husband forwarded this complaint XX/XX/XXXX, and we have n't heard a word from anyone. I am unable to work, and my husband is a XXXX veteran unable to help me get out of debt with a school loan for our son through AES. He owes over {$70000.00}, and I owe over {$12000.00}. I am also responsible to pay restitution for XXXX charges in XX/XX/XXXX. I served time for the offense, but the courts say I still owe {$200000.00} to the insurance company. With my husband on XXXX, and I am unable to work because of XXXX XXXX, XXXX XXXX injury, and recently XXXX XXXX ; we are struggling to make ends meet. I feel I served my time for a bogus XXXX charge, but we were over matched and a lawyer who basically sold her down the river. The charges stemmed from, what they call, misuse of credit cards. The cards were issued to me when we moved to XXXX Texas to help offset my commute 200 miles a day to work. This was in XX/XX/XXXX, and they terminated me XX/XX/XXXX. The executive who issued me the cards quit and started up his own oil company in Colorado, but we had no way to find him. I think I also took the fall for others taking money from the company. I know of 1 woman who took {$60000.00}, but she quit before they could actually prove anything, or they just wrote it off. This was only 1 person they had suspicions of, there were others. With my health, I do n't know what we can do. We just do n't have a way out ; do you have any suggestions? Thank you for your time and consideration, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Coinbase, Inc. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Coinbase charged my XXXX credit card {$3300.00} even though my account with Coinbase has  been closed for over a week. 

There is no way for me to have authorized this transaction since my account with Coinbase has been closed for over a week. Also, there is no way for them to have given me anything in return for this charge since I no longer have an account with them. 

This is fraud on many levels. One, they keep my banking information and credit card information on file even though my account with them is closed. Two, they still charged it even though I do not and can not authorize a charge. Three, no message from Coinbase regarding this charge. 

I since contacted XXXX to have my credit cards closed and changed to new ones. I also had to set up extra security measures on my bank accounts to try and prevent additional charges Coinbase might try.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing statement

Complaint: I paid off balance on my capital one credit card and no longer used it XX/XX/XXXX. But I did have an error of a recurring annual charge from another company that a failed to cancel made XX/XX/XXXX. The charge appeared on my credit card. Because I selected paperless billing all of the notices and late notices came through an email account. Because Capital One spams so much all their e-mail went to junk mail. During this time my wife was XXXX, I was taking her XXXX daily, staying nights XXXX, etc. Her XXXX is finishing up and we finally decided to purchase a home. I go to apply for the loan and this charge and three months shows up on my credit report. I pay off the balance immediately and contacted them requested a good will correction. Because they did not notify me by any other method then a block e-mail account I now have a bad credit score from what was otherwise a perfect history and because the infraction was so soon it was a huge impact. Requesting the adjust they refused citing they report everything accurately. While in fact true, their notification policy that I foolishly opted in for is the only reason the issue occurred. Never again will I use paperless billing only. The objective of the FCRA is to protect consumers with accurate and fair information. I feel this infraction is unfair especially cosidering my relationship with capital one was perfect and accurate on time payment for years. I only run into the problem when I pay off the balance and they no longer want to work with me. My interest rate will be more than 0.5 % higher than otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Trouble during payment process

Complaint: Good Mor ning- I made my payment to Bank of America and found out last week that Bank of America cancelled my payment because my mortgage had been sold to another loan servicer. I had not been notified of this  and now have no idea where to send my mortgage payment. I received a letter from Bank of America dated  XXXX / XXXX / 2017 . I had been off work on medical leave and did get  behind three months. Bank of America received all documents including but not limited to medical records, FMLA,   pay stubs etc. I have no idea where the process is currently with the past due payments, HOWEVER I began making payments again in  XXXX  and they have been accepted by Bank of America. I have no idea what to do or who to make payments.

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 05/16/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had so many issues with XXXX navient that i dont know where to start. I was put in default while still in school and never contacted until it was almost to late for XXXX. I was finally able to go through steps of deferment to get me out of default only to be given a payment amount that was ridiculous XXXX a month. I was told by the XXXX i would be XXXX in debt after school and that was with interest. After i graduated i found out i am XXXX in debt. More issues kept happening to my account with added fees and payments incorrectly applied to my account not going toward principle. I am now on the rate reduction program but i had to research for months just to find out this program exists. I have been harrased so much i want to XXXX to get out of this situation. My mom also has been severely harrased. It has cause me and family to part ways due to the conflicts these loans have caused and there is no end in sight. I am constantly stressed out and have several XXXX that last several daysXXXX, and several XXXX conditions. I have had many failed relationships due to this stress these loans have caused me. I can not afford to have a life outside of work and have developed a XXXX that keeps from participating in family and friend functions. I can keep going on all the personal effects this has had on me and my family. The school i went to os closing down slowly but surely due to predatory lending and other illegal activity to the point the federal government is suing them for XXXX XXXX since XX/XX/XXXX. I graduated in XX/XX/XXXX. I grew up on welfare and never made much money ever i just dont know why i was ever given these loans. I need them to go or i will be fleeing the united states in hopes to not live this type of stressful life.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit card or prepaid card (Government benefit card) with Xerox State & Local Solutions, Inc. (TN).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: It was identified that an unauthorized debit card payment was made using my  Eppicard  in which I receive bi-weekly child support payments. The transaction in the amount of {$140.00} was made on    X/XX/2017  .  This purchase was made at a  XXXX   XXXX  in  XXXX   XXXX , New York. Immediately upon noticing I contacted EppiCard to file a complaint and provided all documentation as requested. This purchase was made at a store in which I 've never shopped as well as in a state I 've never even visited. To this day,   XX/XX/XXXX  , I have yet to receive any updates regarding this open dispute. On   XX/XX/XXXX   I received a letter stating that a provisional credit for the full amount of {$140.00} would be issued to the account in lieu of the pending completion of the investigation but that has yet to happen as well. I 've made numerous calls to EppiCard for a resolution but have been given the run around. I was told that the investigation must be completed b y the 90th day which is today yet nothing has happened and no one has provide d any valid information regarding the dispute 's current status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Medical debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received several calls from portfolio recovery and have repeatedly told them that I will pay them when I get the money. They have not heeded my requests and they have still kept calling. The latest was this afternoon ( XXXX @ XXXX PM ).

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 EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX 2017 any public record data must include Name, Address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated information per the new law. The bankruptcy XXXX listed does not include this information and should be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have received several harrassing phone calls from National Credit Adjusters on behalf of balance credit and the people I spoke to were extremely rude. I requested for them to send me a letter via mail or email to verify the account or amount of money, with complete breakdown of the loan balance amount. They refused to do so stating they 've done so in the past and will no longer send me anything to verify the debt. The person I spoke with tried to coerce me into a payment or payment arrangement of a loan that has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On XXXX/XXXX/XXXX I wrote Trans Union a letter asking them to update my personal information accordingly and until this date they have yet to correct 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 09/15/2017 about Debt collection (Credit card debt) with DISCOVER BANK (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: InXX/XX/XXXX I received a dunning claim from XXXX, PA, XXXX XXXX XXXX XXXX, XXXX Florida XXXX on an account and debt that were not mine. I responded in writing denying both the account they referenced and that any debt was due from me. Today, XX/XX/XXXX, I have received the identical dunning claim from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Florida XXXX with the assertion they had " purchased the assets of XXXX XXXX XXXX ''. This seems an obvious, bogus corporate left hand-right hand game with an attempt to collect debts that they know are not legitimate. They need to be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Contacted XXXX equifax and XXXX about a few inquiries that I did not authorize. Most came from when I purchased my car.But both of the companies told me to contact the companies individually, I have no relationship with any of these companies, and its their job to make sure everything on my report is correct and they have failed to do so even after I called to inform them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was denied credit from a lender which stated I had too many inquiries. Upon review of my report I noticed that there were inquiries that were not authorized. I contacted experian and was told they could n't do anything about it. I 've had fraud alerts placed on my reports. I 've done my own investigation in which none of these companies received identification or authorization to pull my credit for any cause.    XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX  dealer  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX  loans  XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX  t  XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX   XXXX   XXXX  bank  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 explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a letter from my mortgage bank that my account was delinquent for the XXXX payment. This was around XXXX XXXX. My payment is automatically taken from my bank, and the money was deducted from my account. Unknown to me, the bank raised the amount due by {$50.00} to cover additional escrow. Because it was not the new FULL amount, they would not credit my account. 

When I spoke with them they explained what happened. I submitted the difference and adjusted my automatic payment to reflect the increased amount. The late charge was reversed. They did not tell me that this was reported to all 3 credit agencies as delinquent payment. I called them on XXXX XXXX to ask them to update the credit agencies that the payment was not late. According to law, I was told, they could NOT change the report. Because they mailed a letter that the escrow amount was increasing, my only recourse is to file a complaint with this agency. 

They received the full 100 % of the mortgage and the current full amount of the escrow, on time. They need to go back and fix my credit history so that it does not reflect that this was a late payment. They received over {$2000.00} on time, the gap which I was not notified is the ONLY cause for a delinquent payment. I want my credit score fixed to reflect the reality that I do pay on time.

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 05-05-2016 about Debt collection (Credit card) with Atlantic Credit & Finance, Inc. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Atlantic Credit and Finance called me today for a debt that belonged to my husband He said that account was due to go theie attorney. I advised him that he would need to speak with my husband and he insisted on continuing the discussion. I told him again to contact my husband and that I was at work. I also told him that this was not an opportune time to discuss and he still insisted on continuing the discussing. He told me it was best to talk to him before he 'd have to take 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 non-monetary relief
Consumer complaint received 10-10-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report ( XXXX and XXXX ) and found that Diversified Consultants based in Florida had acquired a collection account placed by XXXX XXXX ( Cable Company ) dated XXXX 2017. I have never had an XXXX XXXX account, and/or applied for anything related to that company. 

Several attempts to correct this issue have met with negative results, please advise on what action I may need to take Thank You,

Company response to consumer: Closed with non-monetary relief