milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2017 about Debt collection (I do not know) with BCA Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Accts #   XXXX   Due {$30.00},   XXXX   Due {$30.00},  XXXX  Due {$30.00},  XXXX  Due {$30.00} These charges are inaccurate and ABSOLUTELY not mine. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( XXXX AND XXXX  EXPERIAN ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT

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 05/18/2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION ().
Issue: Application, originator, mortgage broker

Complaint: I was trying to get a mortgage loan through Fifth Third Bank with XXXX XXXX. I asked to get a loan estimate, and hesaid he could not issue the loan estimate until he received my application, other documents he sent me, and submitted the application to processing. Once those were submitted, he could mail me a loan estimate within 6 days. Per TRID, he is required to send me an loan estimate within 3 days of receiving my name, income, SSN, property address, estimated property value ( SEV ), and the loan amount sought.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I completed a modification, things were going well. I called my servicer to make the payment for the next month and they told me the loan had a XXXX balance. I expressed to them that there must be a mistake. So I called again to speak with management I needed to see how this could happen and no one could assist. I contacted the department of veteran 's affairs to see what they were showing and they told me the same thing. Looked at my credit report and it stated the same thing. I then contacted the lender and they said the same thing and referred me back to the servicer. I called about XXXX times just to verify what I was being told, then I requested a letter to be sent stating that fact and they sent it. I received a XXXX from IRS stating that the debt had been forgiven and that I had to file it as income. So now the Department Of Veterans Affairs, Credit Report, Letter from the servicer, and the IRS have the same information that the debt has been forgiven. Ocwen finally returns the call and says they will investigate the matter, I told them after all of this I will take it as it is forgiven when should I expect a release of lean? They said they would call back. I received a letter a few months later stating that they made a mistake and I owed all this money in mortgage payments. I contacted an attorney. I am livid. Please tell me that this has happen to someone else. I almost feel like I should n't have said anything but my morals wo n't let me do it. I do have a strong value for integrity. 

I bet they wrote it off and received a tax break, now they want to re-recoup. How fair is that to the homeowner. I am so tired of XXXX dollar companies robbing us ( the Veteran, the poor and middle class ). They should know better. This is ridiculous. They finally sent a letter acknowledging the mistake, put it back on my credit as delinquent, reported it to the VA that its delinquent and yet refuses to do what 's right. They should be made to honor the XXXX and let the forgiveness stand, they already received the tax break from it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Rewards

Complaint: I have a American Express card where they are supposed to have a reward for Fuel purchases of 4 %. Upon checking my statements and on the AMEX site I noticed I was not getting the rewards for a certain gas station. I informed AMEX and they replied that the business is not considered a gas station, even though it is and thats all they sell. The gas station is part of XXXX XXXX grocery markets, however the gas station is a stand alone building on a corner not connected to anything else. Sometimes these stations are branded as XXXX '' and sometimes they are branded as XXXX XXXX. I 'm located in XXXX, CO and all over Colorado and the XXXX, there are a lot of these gas stations that are somehow part of XXXX XXXX ( XXXX family ). The rewards come in as cash, so you can understand why I use the card exclusively for fuel, only to find out that the gas station I fill up at is not considered a Gas Station by AMEX. Around here in XXXX and XXXX area, there are tons of these XXXX stations and I ca n't be the only one who is losing cash rewards from these stations not being considered " gas stations ''. The AMEX card I have is issued to a lot of people as it is the AMEX that has been offered as the XXXX Amex card, so there are tons of people with this card out there that are not getting a huge amount of rewards money for their fuel purchase. I 've spent over {$3500.00} in the past two years at this particular gas station and am only now seeing that they have not rewarded me any rewards for shopping there. I contacted AMEX and spoke to them over XXXX, where they said they researched and found the categorization to be correct as far as they are concerned. The funny thing is that if you go onto the AMEX account online and look at your purchase it says under the charge..AUTOMATED FUEL, Category : Transportation - Fuel XXXX. 
This is what it says when you buy groceries ... GROCERY STORES, Category : Merchandise & Supplies - Groceries I 'm not sure what else to do, they have scammed me out of hundereds of dollars over past couple years because of them saying these stations are not gas stations. I have the XXXX feed of my interaction with AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have filed a complaint against Kia Motors finance XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Fraud or scam

Complaint: I sent {$1000.00} via XXXX to XXXX XXXX XXXX, XXXX with the understanding I would get a return of {$10000.00} in 14 days. They asked for fee after fee that I paid and never paid me what they promised. Many of the fees were sent via XXXX or money gram.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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 received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with XXXX/XXXX AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (Medical debt) with Second Round Limited Partnership (GA).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: this company serv ome court documents with out my knowledge, at th location wre i was not longer working. i have moved out the estate do to a family law case, in ordr to save myself and kids, iw as evicted from my house and they went and garnished my wages

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Associates Loan Servicing LLC (FL).
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 a loan with Peaks Private Student Loan and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with XXXX and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX XXXX I obtained health care from XXXX XXXX XXXX through the market place which ended in XXXX XXXX. During that time I received services at XXXX XXXX XXXX XXXX XXXX In XXXX and I was billed for those services without notice. At the time I had medical insurance. In XXXX XXXX I spoke with XXXX XXXX. She explained that my medical bill was n't covered because XXXX XXXX is an out of network provider for XXXX XXXX XXXX. When I receive the services, I had no knowledge of that. They accepted me as a patient and told me that my insurance would cover my services. 

XXXX XXXX XXXX has XXXX different plans. XXXX is covered through XXXX and the other is n't. This is a common case for XXXX. Instead of correcting the matter, they offered to give me a discount on the bill. If I knew they did n't accept my insurance, I would 've never come to them. 

There should 've been additional questions asked to determine the type of insurance that I had given that this happens frequently with this particular medical provider.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (I do not know) with Premier Portfolio Group (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received several calls from this group in the past until I filled complaints. They did stop for some time, but they are back at it again now. I am getting a voice mail saying that they have a bad check with my name on it and I need to contact them immediately. This is not possible. The name of the company that is calling is Premier Portfolio Group and the call back number is 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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX  XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX  XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX  XXXX XXXX to 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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I experienced exactly what is detailed in the lawsuit against navient. Upon graduation I was unable to find work in my field. I contacted navient to try to consolidate my loans to get a lower monthly payment. I was informed my loans were considered to be consolidated because they held all of my loans and my payment could be no lower than roughly {$250.00} a month ( while my wife who has XXXX in student loans more than me pays half ). I was told I did n't qualify for income based repayment. I was instead directed toward deferment and forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In   XXXX   I applied for student loans through  XXXX   XXXX  which is now Navient. I am now in debt for about  XXXX . At  XXXX  in   XXXX   I did not establish credit so my parents consigned my loan for me. My parents have always had  XXXX   credit score  but Navient/  XXXX   XXXX   still gave us a very high interest rate of 24 %. It was n't until recently when I lost my job and was able to lower my interest rate. Every time I 've called in the past their only option for me is to refinance the loan or use another loan company to pay off the loan and start paying them. I 've been researching online about the lawsuit out against the private loan company. I feel like I was wrongly represented by Navient and was given a high interest rate off the bat even though my parents had excellent credit. I have been struggling to pay off such a large around and it has affected my credit. If there 's anything that can be done for me to get this loan forgiven I would truly appreciate anything that can help

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (OH).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On XXXX/XXXX/2018, I received my expense report checks and wanted to deposit them into my Simple Bank Account. However their services were down, they were not able to accept deposits, all the use of the XXXX Debit Card, check customer balances, or anything involving the bank. It is now XXXX XXXX and services have been down since approximately XXXX XXXX. That is over 6 hours customers have not been to access their funds, contact support, or even perform something as simple as check their balance. 

This is quite absurd and would not be accepted by other banking institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: This is now the third time in the past year that either my husband or myself has n't been able to get our free annual credit report on-line. This time, it was the Equifax report -- their web site says " We 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet '' and I have to do it by postal mail. That 's a huge amount of additional work, plus some expense -- and there 's no explanation what-so-ever of why I could n't get it online. Each time we 've gotten that message in the past, once we finally got the report, we checked it carefully, and found no errors which might explain why the on-line request failed. So now I 'm told I have to go through that process all over again to get my report. There should be some way to find out why the on-line request is failing, so it can be fixed. ( I 'm beginning to wonder if they make it fail, so they do n't need to supply the report at all -- I 'm sure thatmany people, when faced with what needs to be done to get it mailed, just give up. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My complaint is regarding the Public Service Loan Forgiveness program. I submitted my Employment Certification at the end of XXXX. I have been working in public service since XXXX XXXX and have made 120 payments on my loan. 

I called on XXXX to check on the status of my application. I spoke to four different employees and received three different explanations. I was told that : My application was processed and declined because my loan is serviced through XXXX and not US department of education. However, I never chose to transfer my loan service to XXXX. He said that I could go to the website ( studentloan.gov ) and consolidate my loan into a loan serviced by the US department of education and immediately receive loan forgiveness. I had a question about the consolidation form online and was transferred to a lady who said : Now that I have applied for PSLF, I can now start making 120 monthly payments and will be eligible for PSLF in ten more years, but I should be able to pay off my loan in ten years, so there was no point in consolidating my loan.
I am unclear why my loan is not considered to be a US department of education loan and why my service was transferred to XXXX despite my interest in PSLF. I was then transferred back to a lady who said that she had no idea why I received the prior two bits of information, that my application was received but would take another 30 days to process. 
I feel as though I could call five more times and get five more  stories. 

After paying on my loan for more than 10 years, I still owe ~ {$3000.00} and am seeking assistance coming up with a resolution. If I ultimately do no qualify, I will understand, but I feel that I have been given the run around and every excuse why my loan should n't be forgiven and feel that I deserve due process.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My monthly payment is set up on auto pay, in addition to that payment I 've been making principal payments to the loan and requesting that the due date not be advanced. However, the due date was advanced anyway and is currently XXXX 2018. I have contacted Nelnet twice in regards to this, the first and second week of  XX/XX/XXXX and have not received a response back. This is not the first time this has happened to my account, the mistake to the payment application or Nelnet 's  complete lack of response to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: {$5000.00} approximately to cover a certificate graduation

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: i started paying this account off in XX/XX/XXXXFrom that time period to now, the debt collector sent a letter stating for me to send my payments to another company and address as the account was sold again. I am now on the 3rd company to own this account and when i called to check on the status and balance after going through my own bank records, i found the balance to be about {$200.00} too high. I then contacted the debt collector again, and they sent me from the original debt collector to another debt collector finally to another debt collector who handles payments? I am scared that my payments are getting lost and i am being ripped off or they are doing something illegal between all of the shenanigans of these companies as they stated today that they have not received a payment since XX/XX/XXXX

Company response to consumer: Closed with explanation