milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2016 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this is a fraudulent account that I did not open and is still being reported and collected on .... that needs to be removed ... this was from my identity being stolen

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 12/24/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Capitol One has been calling me between 4 and 6 times a day. I just recently got back to work after an illness that resulted in hospitalization and the loss of my job. The phone calls are now causing a strain at my new place of employment and may result in the loss of this job as well. I have asked them to stop calling and have blocked several numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2016 about Debt collection (Medical) with Ray Klein, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The insurance company is responsible for this charge, I was and presently am a Federal employee and medical /dental insurance is extended 31 days after separation from employment. I left my job the same month I visited this dental office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the dental insurance company. I 've regained my Federal employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caused me a tremendous hardship.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: These XXXX companies are continuing to request payment for accounts that I do not owe. 

{$140.00} from Stellar Recovery and {$36.00} from XXXX XXXX XXXX. 

These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to XXXX. 
This needs to be removed ASAP. 
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). 
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. 
I will contact the Attorney General against XXXX, XXXX and XXXX and both of these companies if this is not resolved NOW! 
ALL references regarding this account must be deleted from ALL reporting agencies. Since

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Pinnacle Credit Services, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have done several complaints regarding a debt t hru Pinnacle Credit Services a nd theservicer of the account  XXXX   XXXX   XXXX . They have the opened date as  XXXX   XXXX  but that is the date they bought the debt. My original creditor  XXXX  charged it off  XXXX   XXXX   XXXX  and my last payment on this account  XXXX   XXXX ,  XXXX  as they have clearly stated in the letter I have attached but they will not change the date in  XXXX  an d two years makes a difference. I thought the date on the credit report was the last date of payment not when the debt collector purchased the debt almost 2 years later. The date needs to be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have tried contact the debt collector for an account listed on my credit report with  XXXX   XXXX   XXXX . I am unaware of the terms or conditions of this account. To the best of my knowledge I never had an account with them or  XXXX . I have sent  XXXX  request asking them to provide me with a contract of me agreeing to this debt and when. To date both of my request have gone ignored. I contacted the CB 's online to file a dispute but was given an error message. I then tried to call to have this matter resolved but the reps were nasty. All accounts must be verified and validated if they refuse to send me anything I would like to know what the Credit Bureaus used to validate this account upon placing it on my credit report.

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 12/27/2016 about Debt collection (Credit card) with Cooling & Winter LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received letter last week from Cooling and Winter a law firm which states they do n't have any attorney personally evaluating my account however XXXX is stating I had a credit card with XXXX Bank in the amount of {$830.00} in which a bill was going to an address where I never lived in XXXX XXXX. They asked me a few questions and unfortunately I did give my social number however my wife noticed there were charges in XXXX on the credit card and they had a DOB which was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am filling this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. 
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 explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have tried to work with Navient on several occasions to try to work out a payment that I can afford, each time I try to set up a payment schedule that I can afford, I get steered into the Income Driven Repayment Program. I was recently sent a notice that it is time for me to re-apply for my income driven repayment, I called Navient to speak with a representative and was told that I can not re-apply over the phone with a rep, that I could only apply online or by mail. I have tried several times to go online and re-apply for the program without success. To start with, the website had to approve my login information, which caused a delay, I have tried again to log in with no success due to the site being shut down for maintenance. I have also been harassed by phone by both the Federal and Private sides of Navient after telling them not to call me on my phone. I have told these people several times that I want to make payments on my loans if I can make a payment that I can afford, I have been told that I had to pay the unreal amount each month that they want me to pay or directed into a program with forbearance or income driven payments with a XXXX payment but the interest continues to accrue. I also attended a school that was recently closed due to over charging and scandals associated with it for predatory lending against it. I am also an XXXX Veteran. I have suffered major hits to my credit score from these loans and have accrued so much interest on them, that I may never be able to get straightened out so that I may be able to own a home or any other credit driven advances in my life. These people are crooks and should be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a condo with a first mortgage from Suntrust Mortgage and a purchase money second mortgage by Suntrust Bank as an Equity Line of Credit. In XX/XX/XXXX, Suntrust Mortgage foreclosed on the property and that account no longer appears on my credit reports. Suntrust Bank continues to report the XXXX XXXX with a current balance showing. Suntrust Bank is reporting 120 day late in XX/XX/XXXX, then XXXX from XX/XX/XXXX to XX/XX/XXXX, then charge off from XX/XX/XXXX thru XX/XX/XXXX and no reports shown after that. Suntrust Bank 's error is showing a current balance of {$38000.00} instead of {$0.00}. The property is foreclosed by Suntrust and the Statute of Limitations has expired, so why show a balance. I disputed this with the bank in XX/XX/XXXX ( see the attached letters XXXX but they refused to correct it. In a phone call today, the Suntrust Bank representative stated that the balance will never come off the credit reports until it is paid or settled. That can not be the law for a mortgage debt. I have also disputed with XXXX, XXXX and XXXX with no success. Please help as I am trying to refinance my home mortgage. Thanks. 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 12-06-2015 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: WAKEFIELD WAS SENT A CEASE AND DESIST AND DON ; T CALL LETTERS IN XXXX. WE STILL GET CALLES FROM THEM IN VIOLATION OF FDCPA AND TCPA, SEE PHONE RECORDS AND VIOCE RECORDINGS ATTACHED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Credit card () with STERLING JEWELERS, INC. (FL).
Issue: Closing/Cancelling account

Complaint: Today I logged into my XXXX account only to find out it showed a {$6400.00} credit line ( with a {$0.00} balance ) from Kay Jewelers had been closed TODAY ( XXXX/XXXX/2016 ). 

I have not received any correspondence whatsoever in regards to my card ( aside from just having received a brand new card in the mail ) and as far as I am concerned my account was in very good standing. 

Upon reaching out, I was advised that they have a standard policy of deactivating accounts that have not been used in a certain amount of time. Now this is complete, absolute and utter XXXX -- they do n't reach out to the consumer, send a letter advising that this is about to happen or anything -- they just simply close down a credit account that has been active and in good standing for 3 or 4+ years. 

Nobody from Kay was in any position to help me whatsoever or help fix the issue, and now they 've not only lost a customer for life but they went ahead and shut down a {$6400.00} credit line that I had every intention of continuing to use. 

It is absolutely heinous to me that they have absolutely no requirement or responsibility to the cardholder to advise them of something they will be doing that can so negatively impact their credit reports. Moreover, the complete apathy from Kay staff was disgusting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On  XXXX / XXXX / 16 , I was referred to  XXXX   XXXX   XXXX  to have a   XXXX   XXXX   taken, The sample was then sent to  XXXX  for analysis despite the fact that  XXXX  was not in the network of outpatient testing facilities. The sample should have been sent to  XXXX   XXXX .   I am currently been threatened with adverse collections and credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: CFPB, This issues is not adequately resolved even though the case has been closed by your agency. The reference number is  XXXX .     Experian has stated that they ca n't find a credit file under my name. This is incorrect they have sent me a letter indicating that my credit file has been impacted by a negative item.     They ca n't have it both ways. I do have a credit report, they ca n't find it in the computer system during a cursory search. Look deeper in the computer system.     This is common given that my full legal name is  XXXX   XXXX   XXXX . A name that is this length commonly causes issues with computer systems. Happens all of the time. It is not unusual to have people with hyphenated last names.     Experian has now provided deceptive information during a credit inquiry. Experian please correct the information as soon as possible. If the issue is not corrected I will need to seek immediate legal advice from an attorney.

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 02/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: There was an account on my credit report listed with a different collection agency for XXXX XXXX. Because I knew the account was inaccurate, I disputed the account and requested validation of what they were reporting and the prior collection agency deleted the account on my credit report when I did this. Months following this collection agency deleting the account, I suddenly get an alert that a new collection agency is reporting the debt called Enhanced Recovery. I was never sent any sort of notification from this company that they had purchased the debt so I disputed the account again with Enhanced Recovery and they 've yet to respond to my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Central Financial to validate a collection they are reporting on my credit reports from XXXX/XXXX/15 to XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 10/22/2016 about Money transfers (International money transfer) with XOOM CORPORATION (CA).
Issue: Other transaction issues

Complaint: Xoom Corporation advertises and says that money remittance to XXXX Banks will be done within 4 hours during XXXX Banking hours, because of this feature whenever I need to send money immediately I use XXXX hence on XX/XX/2016 XXXX PST I had sent some money to XXXX and the transaction number is XXXX after few minutes I saw the transaction status got changed to delayed and there was no mention why the delay and then I contacted customer care and they said they have some problem with their XXXX Banking partner and its delayed for 3 days, then I asked them to cancel so that I can send money with other remittance providers but they said we can not cancel since the partner had already processed and I had to wait for 3 days but still the transaction was not processed and had to call several times to cancel the transaction. I was supposed to give money to someone in XXXX hence I used xoom to send instantly because of xoom irresponsible and pathetic service I had incurred a loss of XXXX and no proper notification and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d.  Sections 90-93 ; 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 credit 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. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015

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 03-07-2017 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have called and mailed the collection company information that this was not my debt. I have never heard of the doctor/facility listed on the collection item. I have asked for proof of this charge and have never been given anything to show this belongs to me. I have asked the XXXX credit bureaus to remove this as it does not belong to me. I have tried for years and no one has yet to show this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with North American Credit Services (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received communications from North American Credit Services ( XXXX ) agency and they have damaged my credit report and my credit score trying to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was granted a back-dated forbearance including the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, where payments were listed as late, however, my account notes that the account was in a forbearance for those months. I wrote letters to XXXX and XXXX, who in turn contacted My Great Lakes, however, I 've never received anything from the account servicer stating otherwise. I called them as well and the issue was not able to be resolved. I would like the late payment information from those months deleted from XXXX and XXXX and any other data repository. I have copies of the letters sent, and I have never received correspondence from My Great Lakes. ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation