milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2016 about Debt collection (I do not know) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted numerous times and continued to be harassed by by telephone by a company called " Enhanced Recovery Company , LLC '' concerning a debt owed by someone else. I have informed them that they have the wrong telephone number and wrong person, but they continue to harass me at all time of the day by telephone robo-calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I want to help my son to be the first to go to college but I ca n't afford it. But with the encouragement of the representative/recruiter from the school, I was told I can take a Parent Plus Loan for my son not realizing the loan is solely on me. I was made to believe it will be on my son 's name. After graduating he had a difficult time finding a job so we requested to have a deferment. We have used all the deferment limit and now the loan is due. The loan was serviced by XXXX. The monthly due is over {$600.00}. I called XXXX to find a way to lower the monthly payment and I was given a website for NAVIENT and the company can consolidate my loans and lower the monthly. 
I called NAVIENT and was instructed to fill up the application on the NAVIENT website for the income driven loan. I did as instructed and the site required proof of income so I attached my 2015 XXXX. I got a response back but the monthly payment is higher than it is with XXXX. I called to confirm and I was told it 's because of my income and I have no dependents. I explained that for 2015, financial hardship forced me to take out my 401K and that is why it gross income is like that and I also made an error on the dependent information. 
I spoke to a representative named XXXX and he gave me a calculation that based on the information I gave him the monthly should be around {$300.00}, he told me to fax XXXX copies of my paystub. 
And he would update my files. I did as I was asked and days later I received a letter showing my monthly payment would be well over {$700.00} a month. 
I called again and I explained to the representative that the reason I applied with NAVIENT is the hope that I can lower my payments. He said there is nothing he can do to lower it. I told him to forget it and I will just deal with XXXX. He proceeded to say that the loan has been consolidated and XXXX has been paid and there is no way to undo it. 
I was livid and he said it helps me because now I can get a deferment again. This is outrageous!!! 
This is preying on people like me who wants to pay their obligation but the system they created only increases our debt. 
This puts me in a deeper hole because I certainly could not afford to make the minimum payments, this will ruin my credit and affect my future job opportunity. This puts me in more debt and in the verge of bankruptcy. And risk getting embarrassed at work when NAVIENT garnishes my check. 
I have been stressing out over this I hope something can be done. I have another son that will go to college in 2 years and I wo n't be able to help him pursue higher education because of this. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.

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 10-09-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Every year, PNC sends menacing letters to me ( and my co-mortgagee ) that we have n't provided proof of our condominium building 's master insurance policy. The letter ( s ) threaten that a master insurance policy will be opened in our name ( or already has been ). Often we have very little time to get the documents in. The process is cumbersome and time-consuming every year. This year, after resolving the situation in XX/XX/XXXX, we received an additional letter stating that a policy had been opened in our name anyway. After calling, submitting a SECOND copy of the document to PNC via its website, we were assured that the issue was now resolved and that a confirmation letter was on the way. Our statement for this month ( opened today ) shows that PNC in fact DID open a master insurance policy in our name in the amount of {$1200.00}. This was not necessary : the unit 's insurance is up-to-date, the building 's master policy is up-to-date, and we can show ( and HAVE shown ) proof that PNC has access to both policies. 

PNC takes no initiative to work with us, but sends us ex post facto threatening letters each year. This year they have taken a step too far by opening an unnecessary ( and perhaps illegal ) insurance policy. Customer service tells us they 've received documents, and then we are told that it does n't have them. 

Please help us. We have never been late for a mortgage payment, all policies are up-to-date, and yet we are treated as delinquents.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit history today ( XX/XX/XXXX ) and found that STELLAR RECOVERY was claiming that I owed {$440.00} to the original creditor of XXXX XXXX with an open date of XX/XX/XXXX. I have never had XXXX XXXX and do not owe this amount. I ask that it is completely removed from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Payday loan () with CASH AMERICA INTERNATIONAL, INC. (OH).
Issue: Can't stop charges to bank account

Complaint: Re : Cashland XXXX XXXX XXXX, XXXX OH XXXX XXXX, The corporate office number is XXXX, and several other phone numbers original due date XXXX/XXXX/XXXX I was unable to make the payment that I agreed to on the due date, I wanted to make payment arrangements. Before the loan was due ( which was originally for {$890.00} with the payback amount of {$1000.00} in 14 days ) I called the store and they said they could n't change the arrangement that I would have to call the Corporate office. I called the corporate office and they said they would not make arrangements until my loan was in default. Two days after the due date they tried to debit my checking account for the original amount and a small fee. There was insufficient funds and my bank set it back and charged me {$35.00}. I called the corporate office because now my loan is in default, I made several attempts to make contact with XXXX who handles my defaulted loan. She called me back and we played phone tag for another 2 weeks, They sent the full amount of the loan again and my bank charged another {$35.00}, Two days later they sent it through and again there was insufficient funds my bank charged me {$35.00} and Cashland also sent a ISF fee through for {$20.00}. My bank paid that but charged me {$35.00} to pay the {$20.00}, because I already had a negative balance. I have been trying to contact XXXX since Monday of this week XXXX/XXXX/XXXX to tell her I will take {$500.00} to the store on Friday, however I need to make arrangements to pay the other half over time. We finally spoke today and She told me she could n't make any other arrangements, they would accept the {$500.00} on Friday but I would have to pay the balance within 2 weeks. I explained that I would n't have the full balance and again asked for smaller payments. She said that was impossible, She could not work with me, because my loan has been sitting there for a month. I said I never received a copy of the loan agreement, what will happen. She said I can get a copy of my loan agreement from the store when I go in to pay the {$500.00}. She said the telephone calls will continue and they will continue to run the balance through my checking account. I told her I wanted to revoke my authorization for the ACH withdraws. She said they will not do that and she told me to have a nice day and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received a identity theft affidavit from U S Bank Mortgage. I got it notarized and sent the packet to Customer Service Research -Fraud. Mail Location -XXXX. XXXX XXXX XXXX XXXX Kentucky XXXX. XXXX : XXXX XXXX - U S Bank Mortgage. I sent this on XX/XX/2017.

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. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on XX/XX/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since 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 01-12-2018 about Debt collection (I do not know) with EOS Holdings, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX, I sent a certified letter to EOS CCA, requesting copies of any documents, bearing my signature for an account that was added to two credit  reports under my social security number by this collection agency. I formally requested in this letter to ceast and desist any attempts to collect on this debt. As of XX/XX/XXXX, this company has NOT satisfied my request for documentation.Pursuant to Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts :, this account should be removed from all of my credit reports, never to be reinserted again, by this collection agency. This collection agency also violates, FDCPA 807. False or misleading representations [ 15 USC 1962e ], as I do not have ANY accounts ( active or inactive ) with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this bankruptcy with Transunion and also asked for method of verification. They have not given me this information they stated that they verified the information with a third party vendor. Not the bankruptcy courts. I have been to the court to ask for them to show me the information they said that they can not verify information. The clerk told me that they NEVER EVER report anything to the bureaus and they do not verify anything with the bureaus. The credit bureaus are not validating any information with the originator of this said account. A third party is hear say and is not validation. The courts cant and wont produce my signature on any paperwork so i am asking again for them to remove this inaccurate account. Or Send me method of validation with the courts and the name and contact information from this person so that i can dispute directly with that person because this is inaccurate. Third party is not valid.

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 03/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX put a collections account on my credit report. The trade line should have been removed a long time ago, as the auto loan I received from XXXX was part of a XX/XX/2012 case against XXXX that found systemic auto loan discrimination. The case XXXX v. XXXX found that XXXX had intentionally charged minorities higher interest rates than non minorities. The loan that XXXX gave me had an exorbitant XXXX % interest rate. XXXX charged me that high of an interest rate because of my national origin. The tradeline should have been removed a long time ago from my credit report as the XX/XX/2012 case found XXXX guilty of systemic discrimination against minority communities where they were charging higher interest rates to minorities to take out auto loans.

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 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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: My Capital One account is a business account, but the account shows up on my personal credit report. I asked over the phone to delete the account from my personal credit. They agreed that this should not be on the personal credit report and said they would change it, but they never did for about six months. I only provided the company ID, but somehow they have reported to credit bureaus using my personal SSN. It is Capital One 's fault that this account is reported to credit bureaus as a personal account. 

Capital One account # : XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX, President

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Inquiry Date : XX/XX/XXXX XXXX inquiry date : XX/XX/XXXX, XXXX XXXX, XXXX XXXX 2inquires different dates ) XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with Southern Management Systems Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  SOUTHERN MANAGEMENT for reporting credit information  to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from 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 02/25/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NH).
Issue: Making/receiving payments, sending money

Complaint: Hi, Payment in full was made over the telephone the banking account info was entered incorrectly and the payment was reversed, once we we aware of this we called to make payment in full being told that because of the error the late fees would be adjusted, each month when we got our statement, the late fee was never adjusted so each month for the last 3 months we could call and they would apologize guarantee us the fee would be adjusted and we have a XXXX balance. This last month same thing happened account shows a balance which is the late fee, we do n't pay the late fee because we are told it was going to be adjusted because we dont pay this fee, we are hit with another fee on top of it, we call again to get our fee adjusted and this time we are told they are not adjusting any more fees. I explain had this been done correctly in the first place I would not be calling for the fourth time to rectify this situation. I then asked to speak to a manager, not sure if this was a manager or just one of the reps colleagues to explain Final outcome they would not adjust and told me they could not give me special treatment. I explain this is far from special treatment this is horrible treatment, I was only going by what I was told on 3 previous occasions, I would appreciate any help you may be able to offer. Thank you for your time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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: Last year the CFPB settled a class action law suit with the 3 CRA 's reporting inaccurate public records and for not verifying correctly a list of mandatory items before publishing them. The new law took affect around XX/XX/. At that time I wrote each CRA with certified return receipt mail to remove my paid liens from 7 years ago. XXXX  and XXXX   removed them immediately, however Transunion has not : Transunion XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX I have disputed these 3 times electronically, once by fax and via phone on XX/XX/XXXX. 
(XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and last week ) My credit is clean and I have worked hard to rebuild it, this information is the only negative mark on my 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