milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Apparently for some reason, NCC Business Services Inc. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the XXXX major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed. I disputed this account back on XXXX XXXX, 2017 on my XXXX, XXXX and XXXX credit reports to no avail. NCC Business Services Inc. continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA. In the XXXX XXXX XXXX, XXXX XXXX, XXXX AM Jur XXXX. Sections XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that NCC Business Services Inc. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. NCC Business Services Inc. is blatantly disregarding the law.

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 02-06-2018 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: Old information reappears or never goes away

Complaint: I should only have 3 credit inquiries and 2 of the credit scores shows more. Which i didnt not authorized

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 08-03-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has reinserted fraudulent items that were previously taken off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (KY).
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: Hello, I have tried several times to get to speak with Navient as well as the credit companies ( XXXX, XXXX and XXXX ) about the multiple inaccuracies on my credit. My student loan report " good, good, good '' for months in a row and then the following month will jump to 120 days past due. After that 120 past due it will go back to good standing or they will not report for a few months. I do not understand this, however this is a reason I can not get approved for a home loan. Can anyone help with this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (GA).
Issue: Struggling to pay mortgage

Complaint: I have tried unsuccessfully to get a detailed transaction history on my property as it has been transferred to more companies than I can remember. My issue is trying to determine how they arrived at the $ XXXX balloon note added to the last modification done by DiTech Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Delinquent account

Complaint: Chase card services, like most financial providers, urges consumers to enroll for online statements, as it reduces costs. I enrolled to receive statements and information online, but unfortunately they do not tell you that late statements ( meaning you did not pay within the grace period ) are not sent when you elect the online/email option. For background, you should know that I had never had even a single delinquency in my XXXX year credit history until now. Today, I have a XXXX day late because Chase could not be bothered to send me a late notice via email nor call me as a courtesy prior to being XXXX days late. I immediately paid the balance when contacted at XXXX days late. Believe it or not, a single late in XXXX years has affected my credit score and resulted in a higher rate for a mortgage I am in the process of obtaining. Had I known that I would only receive a courtesy late notice if I had kept my mail-only election, I would not have chosen the online option. I 've contacted Chase, but they have indicated that they will not remove the single delinquency and improve their online notification process. In the meantime, my mortgage will be at a higher rate. THIS IS VERY POOR CUSTOMER SERVICE. They need to improve their process.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Fraud or scam

Complaint: I bought a XXXX from a woman in XXXX for XXXX. It was suppose to be shipped to me by XXXX. The carrier has charged me the first time XXXX for insurance then XXXX for air-control crate and then they tried to hit me up for over XXXX and I said no more. I feel this is a scam and they have took everything I have.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Integrated Recovery Services (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They call every XXXX days threatening me that i commuted bank fraud and if i do n't call they are going to prosecute me. I returned XXXX call and the lady on the other line told me " i have XXXX leans and XXXX judgments against me and good luck in court you loser ''. I told her what they are doing is illegal and she hung up. I have the last msg they left me XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Received credit disclosure information from the XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 and noticed that ( XXXX ) a huge discrepancy in credit scores and the credit bureaus continue to report identical key factors that adversely affected my credit scores. The exact key factors appeared on a disclosure of credit score information XXXX XXXX, 2016. I have written to the credit bureaus disputing these key factors, with XXXX response. Credit bureau asked that I be more specific. I replied that according to the disclosure information no specific accounts were included in these adverse key factors. I can only dispute what was presented to me. I find their comments totally absurd. A review of several credit reports does not reflect these horrendous key factors. 
There are no serious delinquencies. Public Records was a chapter XXXX bankruptcy dismissed and has been removed from XXXX of the XXXX credit reporting agencies. There are no accounts with delinquencies which makes the length of time nonexistence. The time since delinquency is too recent or unknown. This is a bogus comment with no supporting data.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Consumer Loan (Title loan) with TMX Finance LLC (DC).
Issue: Charged fees or interest I didn't expect

Complaint: be for l got the loan the was 9.9 % l XXXX what is the interest, there said 9.9 %, l later found out that the interest 119.9099 % if l had know l would not get it l try to pay this off l have paid all but {$1400.00}, now this titleMAX OF XXXX XXXX say my account balance $ XXXXXXXXand look at my loan agreement l was not told that the finance charge is {$3.00} the loan was for {$300000.00} NO told me, TITLE MAX sent a tow truck to try to reposs my truck and have people sat at my house in the day time and night to try to reposs my pickup truck, and refuse to give my title back l have paid over {$450000.00} back but title Max did not tell me the true about the loan, l feel that have paid the loan back,

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX approx. XXXX XXXX c.s.t I received a call from a woman named " XXXX '' at ext XXXX who said she was with XXXX XXXX and collecting a debt from XXXX about a XXXX computer from back in 2007. I immediately told her this was fraud and explained I was requesting a full validation of debt as per my rights with the FDCPA. On XX/XX/XXXX I received a packet from XXXX XXXX that was what they call a " Fraud/ID Theft Handling Packet '' and in this packet they are requesting I write to them critical personal information including my date of birth, social security #, my home and work phone numbers, current and past addresses and tell them about the fraud. 
Also on the letter it states that the creditor is XXXX XXXX XXXX XXXX and I have no idea who that company is either. I do not feel comfortable giving this information to a 3rd party collections agency that obviously ca n't validate the debt they are claiming to represent that is already over 10 years old, has NEVER been on my credit report, and I have never owned a XXXX computer nor bought ANYTHING on XXXX! I feel this is a complete scam, the XXXX XXXX XXXX has an A rating with the BBB with over 90 complaints so we know that they obviously buy their rating.

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 05/31/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: My for-profit school,  XXXX  College, was closed by the state for false reporting of job placement data. I applied for a defense to repayment with the Department of Education but was denied. I owe about {$55000.00} in loans. I have a business degree from a school that went out of business. I was promised lifetime job placement assistance but the company can not deliver on that promise. My credit is ruined and I now have Navient calling me every day to collect on money I do not have. You ca n't get blood from a rock. The weight of this debt is depressing and paralyzing. It is simply unfair for me to have to pay this debt when I have not been able to get a job in the field that I studied.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: Compass Bank Accessed a {$38.00} fee on XX/XX/XXXXfor {$10.00} despite the fact that I had a deposit of {$1400.00} in the account. The customer service rep I spoke with on a recorded line stated the put the {$10.00} through on the XXXX. They money was available as if the date. The recording clearly states the date. If the rep had stated the XXXX, that would be a different story. However, with the recording they can not back track now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I had requested a new debit card from Wells Fargo. They sent it to me in the mail on XX/XX/XXXX. I never received it in the mail. 

On XX/XX/XXXX, I logged onto my online banking. This is when I noticed that I had transactions that were not approved by me. I immediately went into Wells Fargo bank and spoke to a banker to help me claim the fraudulent charges. 

On XX/XX/XXXX, I received a letter from Wells Fargo that they have looked into the claim, decided that all the charges were made using my card and a Personal Identification Number ( Pin ), therefore they will be closing the case without any refunds. 

I was stolen {$2100.00} from and none of it was refunded. 

I have an XXXX and the criminal purchased a XXXX phone, XXXX  rides, XXXX tokens, XXXX XXXX XXXX charges, XXXX ( travel ) charges, and even called a prisoner in jail. 

When I went to the Wells Fargo branch on XX/XX/XXXX, I requested a new card be mailed and immediately installed a lock on my mailbox at home. 

They sent me a new card and I activated it on XX/XX/XXXX. In order to do that, I had to go on the website and use my birthdate or my last four of social security number to activate it. No PIN was needed. The thief could have done this by looking at my other mail items.

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 09-09-2016 about Payday loan () with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I was told that I would be charged a one time fee. The fee is {$230.00}, and they 've broken it down as follows after logging into their website : 2Sign Loan Agreement CONSUMER LOAN AND ARBITRATION AGREEMENT Lender : XXXX XXXX XXXX, XXXX, d/b/a Rushmore Financial ( referred hereinafter as " Rushmore '' ) Mailing Address : XXXX. XXXX XXXX XXXX, SD XXXX Telephone : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX XXXXXXXXXXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Borrower 's Bank : XXXX XXXX XXXX XXXX XXXX Account : XXXX Loan Number : XXXX In this Consumer Loan and Arbitration Agreement ( the " Agreement '' ), " you '' and " your '' refer to the Borrower identified above. " We, '' " our, '' " us '' and " Lender '' refer to Rushmore, an arm of the XXXX XXXX XXXX of South Dakota, a federally recognized XXXX tribe. " Loan '' means this consumer installment loan. 

-TRUTH IN LENDING DISCLOSURES : The disclosures below are provided to you so that you may compare the cost of this loan to other loan products you might obtain in the United States XXXX Our inclusion of these disclosures does not mean that we or any subsequent holder of the Agreement consent to application of state or federal to us, the Loan or this Agreement. The table below details the maximum payments and costs to the extent periodic payments are made for the full cycle of the loan which can be reduced upon early payment of the Loan. 
TRUTH IN LENDING DISCLOSURE ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
669.1667 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$3200.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$700.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 

{$3900.00} Your payment schedule will be : Date Amount XXXX/XXXX/XXXX {$110.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$260.00} XXXX/XXXX/XXXX {$250.00} XXXX/XXXX/XXXX {$240.00} XXXX/XXXX/XXXX {$230.00} XXXX/XXXX/XXXX {$210.00} XXXX/XXXX/XXXX {$200.00} XXXX/XXXX/XXXX {$190.00} XXXX/XXXX/XXXX {$180.00} XXXX/XXXX/XXXX {$170.00} XXXX/XXXX/XXXX {$160.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$130.00} XXXX/XXXX/XXXX {$120.00} XXXX/XXXX/XXXX {$110.00} XXXX/XXXX/XXXX {$100.00} XXXX/XXXX/XXXX {$92.00} XXXX/XXXX/XXXX {$81.00} XXXX/XXXX/XXXX {$69.00} XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$46.00} They only posted this information after my loan was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have contact Medical Data Systems about the inaccuracy of the debt from XXXX Hospital since XX/XX/XXXX. I even agreed to pay the portion of the bill that was accurate. The company refused to accept that amount and also refused to contact the debt holder to validate the debt after I made multiple requests in XX/XX/XXXX and XX/XX/XXXX to receive validation of the debt as required by the Fair Credit Reporting Act. 

Having no luck with Medical Data Systems I contacted XXXX XXXX Hospital and the put me in touch with the CFO, who had his staff suspend all activity on my account on XX/XX/XXXX. Please see attached letter from XXXX XXXX, XXXX for XXXX XXXX Hospital.

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 08/15/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the XXXX and on their constant harassing and threatening phone calls, to no avail. I am now a XXXX XXXX veteran living off of XXXX and declared " unemployable '' due to my injuiries substained while XXXX. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX of the XXXX. They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX from being injuired XXXX and this does not help my XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My husband and I applied for the expanded REPAYE student loan repayment program in XX/XX/XXXX in hopes of reducing our payment to 10 % of our discretionary income. In XX/XX/XXXX, after hearing nothing on the plan change, I contacted the servicer and was told they had n't even processed the request. I was told it would be expedited and processed in 30 business days. In the meantime, we would owe a one-time forbearance fee of {$5.00}. 

After receiving bills for XX/XX/XXXX and XX/XX/XXXX in amounts of {$0.00}, {$10.00} and $ XXXX+ ( all for the exact same account ), I called in and was told that those were sent merely as part of the plan changing process and that we owed nothing. Two weeks later, I received both a " delinquent account '' email and a paper letter ; however, I had been told I owed nothing when I called in. 

In XX/XX/XXXX, I finally received documentation that my REPAYE request had been processed and received my first bill. I called my servicer because the amount was HIGHER than it had been on my old IBR ( XXXX % ) plan, with no large change income. They confirmed that the amount they 'd calculated was incorrect ; my husband also has federal student loans, is also on PSLF and we file jointly. They had not considered both our debts when determining our payment amount, even though we had properly submitted all the necessary papwrowrk. 

After being told we owed no money when I called my servicer XX/XX/XXXX, today my servicer also required that I go on a forbearance plan for XX/XX/XXXX $ XXXX+ payment or make the payment to keep my loan in good standing. I was also told that changing from IBR to REPAYE plans was a 4-month process, despite being previously told on several occasions that it took 30 business day at most. 

We have been in the income-based repayment programs since they debuted in 2007. My loans have been moved from servicer to servicer and annual updating has been a hassle nearly every year. I waited on the IBR/PAYE expansion to pass and become available and have now waited 7 months to take advantage of the program. It was intended to help people, but the servicer seems to have no interest in actually putting people in the program. When we call in, we can never get consistent answers ; we are n't even able to speak with the same person again deposits having employee names and servicer numbers for each calls. 

My loans have been kept current ; we have been forced to take short forbearances several times since 2007 due to delays by my servicer and miscalculations in payment amounts on the part of our servicer. Our PSLF date just keeps getting jumped further and further away while I continue to try my best to jump through the numerous hoops being sprung on us by the servicer.

Company response to consumer: Closed with non-monetary relief