vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
The reason for this email is in regards to a dispute that I have with XXXX XXXX XXXX XXXX in XXXX, XXXX. I moved in on XXXX XXXX of 2016 and occupied XXXX. I had the best signing experience I think any renter could possibly have and even though I do have a rather unsatisfatory pending issue, I can say that XXXX in the Leasing Office was beyond amazing. I believe in giving credit where it is due. I enjoyed 7 months in my apartment and had minimal issues while residing there. Unfortunately, my employer decided to relocate me to XXXX, XXXX and i have been here since. I submitted the requested paperwork to prove I was being relocated because my job was being moved ( eliminated if I stayed in XXXX ), and I was in correspondence with the property manager the entire time, making sure to update them on dates, issues, or even payment options for the month of XX/XX/XXXX. I moved out on XX/XX/XXXX, and turned in my key that day. I checked in with the property manager to see if there were any loose ends to be tied up before my drive to XXXX. She told me she would submit the required paperwork ( The letter from my Human Resources Department reflecting my relocation date and initiated job relocation ) to corporate and I was fine. She even told me not to pay for the month of XX/XX/XXXXonline ( like all my previous payments ) as she did not want me to overpay because I was moving out before the month began. Since then I had not heard from the property manager or  XXXX. Nearly 8 months after my departure and closure with XXXX I get blindsided with a bill from a credit collection. I asked the rep what the bill was for and she stated a fee because I left without notice. I was completely blindsided and a little set back. I had requested all information regarding the order be sent to my forwarding address had given XXXX and have yet to receive said bill, however the collection account has shown on my credit report. Im completely dissatisfied with the way this whole matter has been dealt with. The property manager, assistant property manager and XXXX all had access to my email/phone number and forwarding  address. Im not sure how or why no bill was sent to me before handing this matter to another 3rd party. I would like some type of answer or resolution to the matter as if I was given notice beforehand I would have made accommodations to reflect the balance. I even emailed the property manager the day  before my departure and day after to ask if there were anything I needed to resolve before I left and both times I received not word.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
In reference to previous complaint number XXXX. The collection agency has responded the following : Our client, XXXX XXXX XXXX XXXX XXXX is a provider of XXXX XXXX XXXX  XXXX at XXXX XXXX Hospital in XXXX, FL. The accounts in question are not for the hospital ( facility ), but rather the physician. The consumer can contact her insurance carrier, provide the dates of service in question ( this information has already been provided to the consumer, and is part of a previous response to this complaint ) and inquire as to the status of the emergency room physician claims that correspond to the facility charges on those dates.

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 2017-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
XX/XX/XXXX Dating back to XX/XX/XXXX, I have been paying {$800.00} mortgage payment. The amount owed each month was on the average {$720.00} dollars. The payments varied based on annual real estate taxes and homeowners insurance. Examining my mortgage from XX/XX/XXXX up to XX/XX/XXXX the additional funds were not applied as additional principle to the balance. Because the additional funds were not appropriately applied, I believe the total amount due and payoff balance is significantly incorrect. I am requesting that Ditech reassess my account and credit all additional funds that were paid to be credited as additional principle. And I am requesting that the correct balance be reflected on my next mortgage payment statement. I have requested an accounting directly from Customer Service at Ditech, but have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a Bank of America cash rewards business credit card. The card had accrued around {$160.00} in cash rewards. The bank decided to close my credit card XXXX 2016 and has refused to pay me the {$160.00} in rewards earned. I have spoke with Bank of America customer service and wriiten to the BBB.

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 2017-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: OH

Complaint narrative:
On XXXX XXXX, 2017 my wages began to be garnished without any prior notification written or by phone. I had no idea who it was that was garnishing my wages, but after searching I found out that it was Great Lakes Financial. After discovering this I got in contact with them. They told me that in order to stop the garnishment I needed to send them last years tax information. I sent in my tax information on XXXX XXXX, 2017 but I also informed them that it was not an accurate representation of my family 's current situation, as we now had an additional dependent in a XXXX XXXX and also that my wife was no longer a full time worker but a part time worker and that she had been on XXXX leave for 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX) and had received partial pay during this time and no pay toward the end of the XXXX leave. They never took this into account during there calculations. On XXXX XXXX, 2017 I set up payment plan for my student loans. It was discovered that I met the financial requirements for hardship at XXXX XXXX monthly payments. They did n't tell me that even with me making payments that they would not remove the garnishment. XXXX XXXX, XXXX I submitted more financial information and how the wage garnishment was effectively putting my family of XXXX in to red to the company, to which they acknowledged but said I would have to continue to pay the hardship rate of XXXX XXXX monthly for 5 payments and continue to have 15 % of my wages garnished. The company said that  even though my family was in hardship they would not remove the garnishment. I do n't understand how it is that my family qualifies for hardship but is still be expected to pay for the loan and have wages garnished each pay check and survive. It has become a struggle to even afford baby formula and we are falling behind on our bills. I feel that I was mislead especially in the beginning of the process and given incomplete and incorrect information, Great Lakes seemed uncaring of the financial situation my family is in, even going as far to say that in order for them to address the situation i need to send them an eviction notice. I understand that i am responsible for the loan and I plan to repay it. If I had received notification I would have addressed this issue sooner. I feel the stain that has been put on my family by the current payment is n't sustainable and is unnecessary. I also filed a XXXX ( XXXX loan forbearance form ) which I should be covered under but have n't gotten a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Sometime within the last month Midland Credit Management ( Based out of XXXX XXXX, CA ) has  been contacting my best friend and discussing my debt problems with him. The caller has discussed how much I owe and how Ive paid so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
The company ( Nelnet ) excludes the group loan from your homepage when you have " paid it off. '' However, there was still interest left on the account and they did not issue me a bill or anything telling me there was interest left. When I found it and called they said this was their process and that " Do n't worry about my credit report. It would n't show default for several months. '' The payment was made by the military under a student loan repayment plan so I was unable to tell how the money used for each loan. They applied it to the lower interest loans in order to receive more money from me in the long term with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I froze my credit with acknowledgements from all 3 agencies XX/XX/XXXX, I did not authorize this credit monitoring service, Trans Union refused to surrender any and all information about this credit monitoring to be in accordance with FCRA 609 ( e ). Here is what on my credit report : XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : CREDIT MONITORING Permissible sure had I done it, but I tried to sign up for the OPM hack using XXXX XXXX and was told I had to lift my freeze so they could access it, I decided to leave it frozen being so XXXX thinking FROZEN would only allow companies I had an exiting relationship would be allowed to access it. Not some free or cheap service they offered and XX/XX/XXXX was forced to repay customers almost {$14.00} million and the fine FTC imposed of {$3.00} million for XXXX XXXX XXXX XXXX shady advertisement scheme. I submitted enough information to support my ID theft when I froze my credit, Trans Union and I got into another wizzing contest over the illegal access of my credit report on XX/XX/XXXX, which allowed the criminals access to enough PII to take over my bank accounts which lead to a call at XXXX XXXX Sunday XX/XX/XXXX alerting me to the takeover only cause the criminals tried to send funds to the XXXX. Trans Union Litigation Support Department XXXX XXXX is claiming FCRA states it 's illegal to give a victim the info under FCRA 609 ( e ). Are they really that _____ XXXX? I used a cover sheet that clearly referenced FCRA 609 ( e ), in my emails I stated it, in my phone conversations also. So there is no doubt other than they know they violated FCRA by allowing access to my report by criminals and hoping I would not know there is civil damages due to their actions. I want, no demand that the information is turned over we are WELL past the 30 day limit set forth in 609 ( e ), my next request for assistance will be to my VA senators. I hope everyone understands my stance on this issue, they are more than happy to sell my PII/credit report even while frozen. They admitted on XX/XX/XXXX, they had a gap in their policy/procedures that allowed this to happen, well no _____.

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 2017-07-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
BWW Law Group representing XXXX XXXX XXXX has continue to make false statements in reference to a court case involving the property XXXX XXXX XXXX XXXX. See complaint # XXXX The judge never ruled on the Fair Debt Collection Practices. BWW Has continued to violate Fair Debt Collection Practices 807, 809 and 814. The judges ruling is only pertaining to an affidavit not debt collection practices. I am requesting that Consumer Financial look at the documents and due diligence in holding BWW Law Group accountable for the debt collection practices of this law firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet started servicing my loan earlier this year. At the same time, I became convinced that I am eligible for the Public Service Loan Forgiveness Program. So I called their customer service and inquired about how to apply. I was told that first I need to consolidate my loan and then apply for loan forgiveness. However, the application will take effect the day it is accepted and not retroactive. It is very unfair that I 've been a public servant for seven years making regular monthly payments since XX/XX/XXXX, and my application will only be considered going forward. I 've been inquiring about PSLFP since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Servis One, Inc., Titusville, PA Branch
State: VA

Complaint narrative:
mortgage service company ( BSI Financial Services ) is not disbursing insurance funds for repairs caused by a faulty appliance. I have attempted to contact BSI 's loss mitigation office on 5 separate occasions and was told they do n't have the necessary files and that they have recently taken over the handling of the loss. I was asked to call back in a couple days and this has gone on over two weeks. I requested they expedite the matter and was told they had no information and to call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC
State: WA

Complaint narrative:
I was never contacted from XXXX or Bay Area Credit Services, I contacted them, after receiving a alert from the crediting monitoring service because of having identity theft and fraud on my credit. I immediately notified the company XXXX ( XXXX XXXX XXXX ) billing department. I was quoted an address and phone number that was over 17 years outdated not being mine. I informed them that I had used the ambulance service back approximately XXXX/2016 and I had insurance with XXXX and XXXX that should have paid 100 percent if they were billed correctly by XXXX. The billing department confirmed with me they had the wrong information although I was picked up at my home in XXXX XXXX that some how they were sending the bill to an address in XXXX and their information was 17 years outdated. So I was not notified of the debt nor did they billed all the insurances XXXX and XXXX. I was told to work with the collection agency by the person on the phone with XXXX. I informed her that she should pull the debt back since it was their error for sending the bill to the wrong place even though the driver of the ambulance was given all my right information and all my insurances to bill at the time of service. She informed me that she would try, but I have no faith that it will be followed through with based on them making such a huge mistake in the first place. They offered very little help to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America is just so slow with transactions and updates

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 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery Associates has two accounts with false information. They have purchased two debts that should have been removed from my credit by now. One is XXXX XXXX for {$3400.00} and are reporting it opened in XX/XX/XXXX. This account was opened in XXXX. My last pmt was in XXXX XXXX. This needs to be removed from my credit immediately. The 2nd account was thru XXXX XXXX for {$1700.00}. They also show this opened in XX/XX/XXXX and it was opened around XXXX as well. My last pmt on it was also aroundXX/XX/XXXX and should be removed immediately. They won/t take this off my credit reports and continue to use the wrong dates and false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing this letter in response to my dispute with Portfolio Recovery Associates. I requested validity of a XXXX XXXX credit card debt and was sent a billing statement in the amount of {$580.00}. I do not owe this debt and the address associated with the statement does not belong to me. This account has been removed from XXXX and XXXX, and that this account be immediately removed from my XXXX  credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In XXXX XXXX, Navy Federal filed a claim for me with XXXX XXXX for me having involuntary unemployment. XXXX XXXX responded that they would be denying the coverage because at the time of the coverage, I was not working 25 hours a week. XXXX asked me about this, I stated to them that in XX/XX/XXXX, that I was not working those hours. The company continued to bill me. XXXX XXXX  advised me X/24 that Navy Federal owes me 3 years of back pay for the coverage that they knew that I was never eligible for. The bank had a supervisor and the supervisor stated that although I am not eligible for it, I should have cancelled it within 60 days of getting it and although I am not eligible for the coverage, they would continue to bill me. The company also refused to give me information for their corporate office to speak to the person who is over customer relations or give me any more information and stated that they would keep billing me and there is nothing that I can do about it. I am upset that they intentionally took my money and knew that I did not qualify for a product and still want me to pay for that product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: On-Site Manager, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I received my credit/consumer report back from Onsite regarding an apartment that I had applied for. After receiving the report I noticed that their were traffic violations over two years old being reported, not even my tickets, along with a Bankruptcy that did not belong to me. The traffic tickets belong to my XXXX mother as well as the bankruptcies. I did not submit my social security number when I initially applied, so I submitted my identification along with my social security number to get the traffic violations removed along with the bankruptcy. Neither was corrected nor removed from my consumer report after I sent in the information to prove that those items did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
When applying for loans ; many times multiple inquiries are made by auto dealerships to secure financing for customers. These inquiries should work like debit card transactions where the inquiries are made and the one that gets to remain on the report is the one that secured the financing. The inquiries stay on a persons bureau for two years and while they minimally affect one 's score ; it can make consumers look desperate for financing when in fact, the merchant was trying to secure the best rate for the consumer.

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