milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Convergent Outsourcing Inc is harassing me about a debt allegedly owing to XXXX XXXX XXXX XXXX XXXX, NV. 
During an 11 month stay in XXXX XXXX, I used XXXX XXXX for about 11 months. I bought a TV and my own modem and router at XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively ( Exhibit D ). 
I hooked up with XXXX for XXXX and XXXX service. XXXX withdrew their monthly bill from my bank account for the next 11 months. 
Shortly before I left XXXX for good, I contacted XXXX to get the amount for my final bill ; it was {XXXX. I personally drove to their office, paid the XXXX} XXXX Exhibit E ) and handed over their equipment consisting of the " top box '' ( converter box ) and the handheld remote. I was assured that I owed nothing further. 
Now they ( Cox ) seem to claim that I purchased a modem from them. Why would I buy their modem ( I had my own ) and why was that modem allegedly bought AFTER my final payment? What took over XXXX years to engage a collection agency? Is n't there a statute of limitations? I have not seen a sales slip, nor an invoice, nor a proof of delivery ; nothing. Convergent claim the debt is valid ( Exhibit F ), twice, but have not produced anything other than a XXXX  ledger sheet. 
Convergent Outsourcing do not want to listen to my explanations ( Exhibits A, B, C ) and keep on harassing me despite telling them, please, not to.

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 02-03-2017 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (GA).
Issue: Managing the loan or lease

Complaint: our heater went out and I had been in and out of the hospital, we needed a new heater and was rushed into using greensky. I am an XXXX year old, XXXX XXXX, XXXX vet. the payment started out at XXXX dollars a month, then they doubled the amount. They knew I can only make one payment a month, but they want XXXX the new heater still is not working as a result my daughter has become very ill, at XXXX in the morning they wake her up with calls. they are rude and demanding. I am paying them, every month. but they insist on more. I did not have time to check before hand, but after I found numerous complaints about them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was informed by my credit reporting agency that I have negative reporting on my credit report dated for the month of  XX/XX/XXXX   XX/XX/XXXX  and XX/XX/XXXX  from   XXXX   XXXX   XXXX   it showed that i had missed payments / late payment made on my account and it was reported to the credit reporting agencies showing an negative impact on my credit I have contacted   XXXX   XXXX   XXXX   on numerous occasions trying to get this problem resolved on my credit report I have finally sent them copies of thier own records showing my payment were made on time but they have not yet responded back or reported my payments were made on time i have been corresponding back and forth with   XXXX   XXXX   XXXX   but they just keep giving me the rum around over and over.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I ha ve a Perkins  student loan that is currently in repayment status. In  XXXX  o f 2016, m y lender,   XXXX   XXXX  , decided to transfer my loan to a new servicer :  XXXX   XXXX . My promissory note requires that my account information be provided to  XXXX  of the credit reporting agencies, and my lender requires that  XXXX   XXXX  report specifically to Equifax. However,  XXXX   XXXX  has only reported my account information to Equifax  one ( 1 ) time  since becoming the loan servicer. Therefore, I believe   XXXX   XXXX   and  XXXX   XXXX  has been in violation of the promissory note fo r fifteen ( 15 ) of the last sixteen ( 16 ) months. I hav e been in contact with both  XXXX   XXXX  and   XXXX   XXXX   regarding this issue since lat e 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion continues to report currently late payments and a balance on an account with XXXX Bank, although XXXX sold our account to a junk debt buyer and ceased operations in XXXX. My family is being held hostage by this inaccurate reporting. The company sold the loan account and went out of business ... how on earth could they still be reporting late payments currently?

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 06-05-2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I just recently learned about the program initiated by President Obama in XX/XX/XXXX trying to rectify unfair mortgage practices against XXXX members and veterans beginning during the XXXX recession. After retiring from the XXXX XXXX in XXXX, I was employed here in Ohio until XXXX XXXX. Eventually, I/we were foreclosed upon by Countrywide Lending after attempting everything legal that I was aware of having available. This wound up costing us & gt ; {$43000.00} in equity alone. All I ever received from the XXXX settlements were XXXX checks totaling less than {$800.00}. If the program talked about in this news article is still functioning, how do I go about having my case submitted to, and reviewed by the appropriate people? XXXXXXXXThank you in advance for your time and assistance. 

Respectfully,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I TRIED TO GET A FREE CREDIT REPORT AND I FOUND OUT SOMEONE HAD BEEN USING MY INFORMATION TO GET CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient has failed to perform its core duties in the servicing of student loans, violating Federal consumer financial laws as well as the trust that borrowers placed in the company. Most federal student borrowers have a right under federal law to set their monthly student loan payment as a share of their income, an arrangement that can offer borrowers extendedpayment relief and other significant benefits. Navient systematically deterred numerous borrowers from obtaining access to some or all of the benefits and protections associated with these plans. Despite assuring borrowers that it would help them find the right repayment option for their circumstances, Navient steered these borrowers experiencing financial hardship that was not short-term or temporary into costly payment relief designed for borrowers experiencing short-term financial problems, before or instead of affordable long-term repayment options that were more beneficial to them in light of their financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Bank of America has made it very difficult to access funds direct-deposited into my checking account. I recently had to travel across the country to deal with a family death, and wanted to move some funds to a credit union I 've been a member of for decades. That way I could avoid traveling with a large amount of cash, and would have access to the funds at a familiar location at my destination. My first plan was to write a check on my Bank of America account and deposit it to my credit union, in time for it to clear before my arrival. However, BANK OF AMERICA HAS NEVER SENT ME A SET OF CHECKS FOR THIS ACCOUNT. I am perplexed as to how a " checking account '' does not come with checks. Next I looked into transferring funds, but Bank of America charges {$3.00} to transfer funds to another institution. I have never encountered such a fee. As I prepared to leave town, I started to panic that I would not have money when I got there. Finally, going through all my new-account materials, I found one single temporary check that looked fake and unofficial, and used it for lack of other options. Meanwhile, I did n't realize that my wife tried to help me out of the stressful situation by withdrawing from a Bank of America ATM near her office, and deposited the cash into our credit union immediately before I left. Had I known that day, I would have stopped the temporary check, but I did n't know we had duplicated efforts for a day or two. The temporary check bounced and Bank of America assessed a {$35.00} fee for the returned check. When we discovered the problem we immediately made a big deposit into the Bank of America account to cover it and ensure the account is in good status. Then I contacted Bank of America to explain how it occurred, and asked them to waive the fee. The Bank refused, and still has not sent me pre-printed checks for this checking account. Bank of America seems to set its customers up for failure by making it difficult to transact without fees. So I am asking the CFPB 's help. Thank you.

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 monetary relief
Consumer complaint received 03-01-2017 about Debt collection (Medical) with Merchants' Credit Guide Company (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: my name is XXXX : the medical bill was to be paid by insurance but it was never paid. Now Merchants Credit Guide send it to my credit report as unpaid, which has been {$56.00} ; which i paid it directly to the hospital because i want it to be off my credit report, but the collection company still keeps on putting as unpaid and in my credit report. I may be contacted at XXXX or XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-09-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has XXXX hard inquiries on my credit report, when XXXX has XXXX and XXXX has XXXX. Some of the XXXX inquiries are from companies I never approved of and others are from companies I 've never even heard of. When I reported the inaccuracies, it took them less than a day to tell me that I can contact the creditor because they report anything they 're told. I 'm not sure how they expect me to contact companies I 've never heard of, hand them my personal information and hope they admit their mistakes and fix it. I am a victim of identity theft affected by the XXXX, XXXX and XXXX cyber attacks. At best someone stole my identity, but I do not believe this is the case, I believe equifax is trolling for false negative information as they have in the past and it was proven in court. The fraudulent inquiries are : XXXX inquires from XXXX XXXX XXXX ; this is my bank for my checking account but I never authorized any credit inquiries. XXXX inquiries from XXXX ; I 've never heard of them let alone authorize a check. XXXX inquiries from XXXX bank ; never authorized. XXXX XXXX inquiry ; never authorized. XXXX XXXX inquiry ; never authorized. This totals up to XXXX false inquiries and only XXXX correct ones. These fraudulent activities need to be taken off my report and I should not have to contact individual companies myself. It is equifax 's responsibility to verify the accuracy of the information they report before allowing it to damage my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Medical debt) with AmeriCollect (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Other transaction problem

Complaint: I filed my taxes with the IRS and requested an electronically deposited refund. I provided them with one of the routing numbers made available to me via the Bank of America mobile application tied to my accounts with them. The IRS confirmed that they sent my XXXX tax refund electronically on XX/XX/XXXX. I spoke with several representatives at Bank of America on XX/XX/XXXX and XX/XX/XXXX. During those conversations I was told that the funds would be converted from wire to ACH and be deposited into my account. When the funds were still not deposited, I called back to get additional information. I'd confirmed with the IRS that I'd given them my correct savings account number and routing number. When I spoke with Bank of America again, I told them which account numbers I'd provided to the IRS and was informed that because I'd given the routing number for wire transfers, they'd rejected the payment back to the IRS. At this time I have to wait for the IRS to issue a paper check and it will take approximately 5 weeks because a banking institution who's job it is to send and receive money, chose not to receive mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Medical) with Persolve, LLC - Legal - Series 2 (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I never received a letter or bill to my residence regarding this debt. Upon finding it on my credit report I contacted the collection company and requested further documentation to prove my debt via certified mail. It has been a month since I have yet to hear from the collection company. This medical collection is unrecognizable and is invalid due to lack of information. Collection company had failed to provide evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Other mortgage) with CountryPlace Acceptance Corporation (OR).
Issue: Credit decision / Underwriting

Complaint: In XXXX 2015, I called Countryplace Morgage to inquire about a home loan. I explained all my financials and property information. I then formally applied for the loan after, XXXX ( loan officer ) told me that I DID qualify. I was formally rejected on XX/XX/2015. 
XXXX suggested to me to apply again with a coborrower this time, so I applied again with my Father in XXXX 2015. As per their request we updated and sent in ALL our information once a month, if not more. 
Every month I faxed her mine and my Father 's bank statements, tax records, & etc as per her request. Each page I faxed costed me XXXX. I have spent XXXX of dollars faxing and communicating with her. Well, after talking with my loan officer again today ( XX/XX/2015 ), she informed me that I DID NOT qualify for a loan because : 1 ) My Father owned a neighboring property within XXXX miles. 2 ) Because I was married with a person with bad credit and 3 ) and I have insufficient income. 
I am left stunned and soon-to-be-homeless because After ALL this time, with winter coming, she dropped me like a brick and left me with a sale and NO LOAN. I was only trying to borrow XXXX for a double-wide on XXXX acres. I want my XXXX months back, my dignity and the money back that they wasted of mine ... ... 
Thank you.

Company response to consumer: Closed
Consumer complaint received 12/27/2016 about Bank account or service (Savings account) with BB&T CORPORATION (AZ).
Issue: Using a debit or ATM card

Complaint: I have had an account with BB & T since 2014. I had moved as a result I had limited funds in the account. During my move I had experienced a burglary and vandalism which caused me to loose out on some of my income. Due to the circumstances I was in need of some money. I withdrew {$40.00} from the ATM. Approximately a week later I received a notice from the bank advising me that I needed to pay the bank {$140.00}. They explained this was because I only had {$12.00} available during the time I took the money. I apologized and explained that I was not sure what I had, however I was really glad that I had access to it being that I needed gas for my car. I agreed to pay back the {$35.00} since this was the amount I took including service fees. I explained that due to the circumstances that I had faced I did not have over {$100.00} as they had requested. I have a police report of the circumstance that I faced at the time XXXX XXXX Police Department. I also had explained that I was not aware of any overdraft fees that would be incurred being that usually when you get money from the ATM it does not give monies that are not available. I need some assistance in resolving this issue because I do not owe the bank the monies that they are accusing me of and I need for them to accept the monies that were used and nothing extra.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: When I signed up for XXXX XXXX I was under that this was the best career to go into. They did not explain that I would end up paying over XXXX. I did not understand the interest on the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 'm trying to dispute a name listed that I never went by ( XXXX XXXX XXXX XXXX XXXX, but there website wo n't let me submit the dispute and they have an excessive hold time on the phone.

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