milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with I.C. System, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: You've paid off 0 % of your collection amount. 
Balance {$720.00} Highest Balance {$720.00} Opened XX/XX/2015 ( 2 yrs, 4 mos ) Account status Open I had lived in a building i believe at XXXX XXXX XXXX  when i moved out i had handed my XXXX modem cable box and everything to the XXXX guy that was allocated to the building. He had assured me that he would take care of the issue and let XXXX know that i do not owe anything and the equpitment is returned. Little do I know i have a {$720.00} dollar collection going on for equiptment that i returned to the building XXXX Representative. I want it to be disputed and removed off my credit report so this unjustified problem does not keep hurting my credit. 

Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX DISPUTE AN ERROR Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN 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 06-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have repeatedly provided IQ Data with my bankruptcy paperwork, and XXXX with the paperwork required. This was on my bankruptcy in 2008 and has been discharged. No matter how many times I tell these people this has been discharged they will not saying it is an open collection and will not remove it from my credit report. The people are rude and aggressive and I have had enough.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am filing a complaint against  Convergent   XXXX   XXXX   XXXX   a nd credit bureau  XXXX   &   XXXX . I receive a debt collection letter by mailing regarding a  XXXX   XXXX  account #  XXXX . I have no knowledge of this account information under  XXXX   XXXX . On  XXXX / XXXX /  XXXX   I sent a certified letter asking this agency to verify this debt with documentation and have not received a response from them, However I also disputed with  XXXX  and  XXXX  on several occasions and they continue to send credit report back as being verified. This debt collection agency has not responded to my request so how is it that the credit bureau continue to verify this account as my debt.

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 06/21/2017 about Debt collection (Medical debt) with EQUIFAX, INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX- Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XX/XX/XXXX- Sent letter to Equifax to dispute the collection ( {$490.00} ) XX/XX/XXXX- Submitted online dispute to Equifax ( {$490.00} ) XX/XX/XXXX- Sent letter to XXXX XXXX XXXX to dispute collection ( {$490.00} ) XX/XX/XXXX- Sent letter to Equifax that neither collection agency had verified the collection ( {$490.00} ) XX/XX/XXXX- Submitted another online dispute with Equifax ( {$490.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Student loan (Federal student loan servicing) with SLM CORPORATION (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My daughter has a Sallie Mae federal loan. She is two weeks late in making her payment for XXXX. I have talk to a rep at Sallie Mae explaining why XXXX is late and told them I would let her know that she has two more days until her loan goes into collections. I have communicated this information to my daughter. We are both still getting two to three robo calls per day since the conversation with the Sallie mae Rep. I 'm even getting them at my work number. This is bordering on harassment. When you have been in communication with them why do they need to continue to call excessively?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: We sent a payment to the wrong vendor {$2600.00} Dated XXXX/XXXX/2015 Check # XXXXBank of AmericaXXXX XXXX XXXX Tx XXXXBank of America did cash the check on XXXX/XXXX/2015. After contacting Bank of America they promised to look into and do all they could to refund us our money. After numerous attempt they would not follow up with us and would not refund us our money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The reasoning for my dispute is I feel like it 's not fair Navient Dept. Of Education Loans to add my late payment history to my report after my bankruptcy discharge..my late payment history occurred before bankruptcy my on time payments history is occurring after bankruptcy so that 's the only thing that needs to be showing up on my credit report.. my late payment history has impact on my credit an it needs to be taking off asap.. '' that 's just like punishing someone today for something they did four months ago it 's not right ''.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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 had 1 late payment in XXXX of XXXX. The account is closed and paid in full as of XXXX XXXX. I have asked XXXX XXXX to remove from credit report and account was removed from XXXX and XXXX  ; however Experian will not remove this account.

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 12/22/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My XXXX XXXX XXXX account is reported as delinquent and seriously delinquent XXXX, the contract was signed XXXX XXXX 2014 and the first payment of {$85.00} bi-weekly was due XXXX/XXXX/2014. On XXXX XXXX 2014 I made a payment of {$320.00} which equals 2 months of payments. On XXXX/XXXX/2014, 10 days later, I made a payment of {$340.00} which equals another 2 months in advance. Although I provided a copy of my payment history from XXXX XXXX XXXX, Equifax continues to provide potential creditors with erroneous information. In addition, I have been denied credit because of this intentional reporting of wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have a car loa n with Honda Financial. I  'm almost at the end of my loan. I recently received a printout of my payments and extra fees. I was horrified to see all of the LATE CHARGES Honda has charged me. I explain what they   failed to do below.
At the   XXXX   XXXX   2016, I started paying an extra " LATE CHARGES '' fee. I asked Honda Financial at least 3 times to change the date of my payment to coincide with my social security check that is deposited in my account on the third Wednesday of the month. Because every month they were adding a late charge on my balance, because on the date they wanted payment, I did not have the funds to make that payment. They said I had to pay {$170.0   0} to get the date changed. I was unable to pay that amount, at that time. As a result hundreds if dollars in LATE CHARGES was added to my balance since then to now. I am a senior with a modest income. I believe Honda did not change the date of my payment so t hat they could collect extra money in the form of LATE CHARGES, thereby profiting from my inability to pay {$170.00} to get my payment date changed. I would like those LATE CHARGES to go away. It 's predatory and grossly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with Southwest Credit Systems, L.P. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Southwest Credit Systems inserted a prior deleted XXXX bill, erroneous info ... date of original fraudulent account was in XX/XX/XXXX, they reported it as a new date ... disputed it with XXXX, and still there as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Student loan (Non-federal student loan) with Deutsche Bank (AL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: XXXX qualifies for temporary hardship forebearance as stated in XXXX XXXX XXXX ( XXXX ) policies that allows 24 months in three-month increments. XXXX has applied for three 3-months and approved immediately. XXXX applied back in XXXX XXXX, 2016 for the fourth due to a mix up in the application form. XXXX applied electronically this time as suggested by XXXX ; however, student did not receive notification of the receipt until XXXX XXXX, 2016. XXXX called and inquired, immediately, upon receipt because loan is due XXXX XXXX, 2016. XXXX called again this a.m. to inquire about the approval and was told that Deutsche Bank ( provider ) noted it was still in review. Deutsche Bank is using delay tactics in order to force payment from students that are clearly in hardship and, eventually, student loan default. In the past this process only took one day to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/2015 I requested my free experian credit report. I found out that a strange company named XXXX ran my social security 3 times to lend money to someone under my name. The loan was denied 3 times which mean this person is trying several times to steal money under my name. The days they requested the loan are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the company by emailing them. the associate fraud analyst XXXX XXXX called me to express the company concerns and offered me to help me to filed a complain with you but she needed my info i said no thanks ill do it myself. My concern with this company is the following : what kind of identification the company request to the public to run someones social security to provide a credit? None? a fake one? fake identifications are noticed i guess? they can not just ran social securities from people which appear in their credit as denied for 2 years. thank god i have a terrible credit. 
Please contact this company to check on them if they are doing something illegal against population to obtain business. the name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXphone XXXXor directly with the fraud analyst XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (VA).
Issue: Managing the loan or lease

Complaint: Lender ( OneMain Financial ) claimed late payments, despite being authorized ACH withdrawals on a specific date. Lender did not attempt withdrawals on authorized date on at least XXXX occasions, and then began charging late fees despite not taking the money on agreed upon date. Lender refuses to refund late fees, and continues to attempt to collect them despite the error on their part. Lender was given written notice revoking ACH withdrawal authorization, yet continued to withdraw money. Lender refuses to make the correction to the account and has initiated a harassment campaign including numerous phone calls, letters, XXXX letters, and calls to friends/relatives. This complaint is also being filed in conjunction with civil litigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I suffered a home fire on XX/XX/XXXX ... .unbeknownst to me XXXX XXXX XXXX allowed my insurance to lapse in XX/XX/XXXX .... Then they transferred servicing my mortgage to GREENTREE . GREENTREE activated a forced-place policy on my home and now it 's XXXX XXXX years later and I am constantly battling with them to transfer money allotted to me from the insurance company to rebuild the home. I have since purchased a manufactured home, disassembled the burnt structure, cleaned the foundation and installed the manufactured home on the foundation. During all this it 's been a constant back and forth, delays, no return phone calls, just a ridiculous amount of stalling to get GREENTREE to reissue the money that the insurance company had sent and was to be relayed back to me within 7-10 days ... ( their words ) .The latest issue is that they have had {$5000.00} to install gutters and buy materials and have me finish the basement. I have XXXX more projects to complete before the house is issued an occupant permit. One, finish the basement as it was previous to the fire, and two, install a rear porch. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX issued a check for {$5000.00}, to which I endorsed and relayed to GREENTREE. They received the chech the beginning of XXXX. I 've repeatedly called my account manager XXXX, and was repeatedly TOLD that she 'll review it in the next several days. I faxed proper documentation, which they require, W-9, Lien Release, for a portion of the job ... ( install gutters.. {$500.00} ) ... And have been waiting to hear either that she issued the check or something else is needed but have not heard anything despite numerous calls expressing frustration. I 'm appealing to you to please help me with this situation as is has become intolerable. I 'm just looking to finish the repairs on my home based on the estimate they gave me. GREENTREE is totAlly uncooperative in this matter and I 'm hoping you can help me resolve this as I became aware of the fines you imposed on them and that they 're being folded into XXXX ... .THANK YOU!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: I was job scammed. I was contacted by somebody name XXXX XXXX and offered me XXXX hour at home job as data entry. He gave me a clear detail of the job. Then was instructed to deposit XXXX checks two XXXX and XXXX to buy the equipment and part of my training. Only XXXX of them was cleared which was XXXX. After that was cleared by my bank ( Bank Of America ) on XX/XX/2017 i was told to deposit it to wells fargo bank account but it didnt exist in MA then money gram but wallet was stolen on XXXX XXXX so my XXXX ID is gone. Then he told me to buy XXXX worth of itunes card but XXXX was the max. I scratched off all of them and gave him the codes that i was instructed too. I was so commited with this job that i assume was legit at first since the bank cleared the checked so i had a feeling it was legit. After i followed that he instructed me to deposit the rest XXXX to Acct name : XXXX, Bank of America Account No : XXXX XXXX XXXX, XXXX XXXX address if needed : Bank of America , NA XXXX XXXX XXXX XXXX XXXX Routing # : XXXX, Account address if needed : XXXX XXXX XXXX XXXX XXXX, TX XXXX. Then after that i was instructed to deposit the XXXX check which was XXXX. The next day my account was overdrawn and a negative XXXX was on my checking. I called the bank and they said the check was return. I filed a fraud scam activity and notified them the incident. I was recommended to open a new account and froze the frauded XXXX so i did. The file the report and they said i will be responsible for the loss of XXXX. Also they said there was a chance the XXXX could be recovered since its bank of america to bank of america transaction. Now XX/XX/2017. I called them again and short story they said i will be responsible for it. Can you please help me? i dont have a good job just descent its by commision and a part time. They are charging me a loss that they made. They shouldve been able to detect a fraud check and shouldnt have cleared 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I believe I am a victim of the Equifax data breach on XX/XX/XXXX. As far as I know, my identity has not yet been stolen. I believe my personal data was managed poorly by Equifax and believe that they should be held accountable for any damages that may befall me due to their negligence in this data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (TX).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XXXX XXXX XXXX I wired {$70000.00} to Coinbase from Coinbase I moved the money to Coinbases other platform XXXX where my money has been locked up since XXXX XXXX XXXX. I can not login in to the account or access any of my {$80000.00} in the account. I have called over 10 times and emailed them 7 times. They keep making excuses for why the account has n't been unlocked. I have contacted a lawyer and plan on sending them a letter. Which cost {$1500.00} from a lawyer. Please help me resolve this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Student loan (Non-federal student loan) with KEYCORP (MD).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I called AES and was informed my private student loan is eligible for a live event forbearance but I needed to call Key Bank directly. I called Key Bank directly, and they said that is not true, there is no such thing. 
I was told the only option is a temporary suspension of payment. I ask for temporary suspension based on a medical bill and they declined and said I had no other options. They told me to get a second job. They told me I have budgeting problems. They asked me if my family could help me. They asked me how long I will have medical problems, what is it, XXXX? They told me they needed more details about my medical issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a debt with this company a couple months ago and it still listed on my credit file as I owe. So I disputed it and all three credit agencies stated they verified and I owe. This is inaccurate information I want it removed completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My mortsgage co. decide to create an escrow account to pay a property tax balance. Then said I hade 12 mos to pay it back resulting in a {$750.00} increase in my monthly mortgage payment. When I constested this with t he escrow dept I was able to spread the pay back period to 60 mos and only $ XXXX increase in payment. This would have been great the the payment dept has never recognized the reduction and continues to over charge me and now are attempting foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Medical) with DRS Financial LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: yes on XXXX a company called XXXX gave us a XXXX???? over the months we never got any bills monthly for the device. than all of a suden out of the blue.in XX/XX/XXXX we got a bill for XXXX????? dont think its right what they did.i contacted XXXX.left few voicemails stating we will not pay the whole amount of XXXX??? because they did not give us monthly bills at all????? i also left message with XXXX too pick up the machine???? they did not pick it up yet???? i also contacted the XXXX about this problem??? told XXXX about how XXXX contacted XXXX in XXXX nj????? XXXX said they would contact XXXX too see if they would lowere the amount out of a courtesy thing???? never heard back from XXXX??? all XXXX did was sewnd the new bill of XXXX???? all i want is for them too at least out of courtesy lower bill too XXXX???? thats all we can pay.my moms XXXX years old XXXX.has XXXX too.im her son XXXX too her.

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