milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/18/2016 about Debt collection (Federal student loan) with ECMC Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by ECMC first time XX/XX/XXXX about defaulted student loans. I communicated with them that I am in the process of consolidation and I 'm just about finished with school and how that could be? I was under the impression I had a few months left after class ended! 

I also added all loans would be serviced by XXXX and I have an accepted consolidation loan set for disbursement in after I submitted my paperwork. At this time the Caller informed me that they are servicer and need to collect on " this debt ''. They demanded payment regardless of my stance of " in school deferment or the anticipation of consolidation. 

XXXX XXXX I noticed a " trade line '' on my credit report summarizing data pertaining to the recently paid-off student loan and a collection accounts reported by ECMC as a Paid collection along with several others with varying dates of collection " reported date XX/XX/XXXX '' I have since contacted them and they will transfer me to a line with no answer or hang up. I have sent them proof of full time enrollment from XX/XX/XXXX-XX/XX/XXXX and asked for verification with no response or action. They have also reported Date of first delinquency wrong and also Date of Default has changed on other reports. 

When I do speak to someone and its regarding collection they take the stance " we are the owner of this debt but when it comes to attempting to show proof of enrolment/deferment they take the stance that it needs to be filed with the original creditor. 

I have clearly shown them that the loans are in deferment and in consolidation thus i get the canned response not according to our records and we demand payment ... .They are causing a XXXX XXXX to enter the market with horrible credit and undue stress because of their lack of keeping sound records, constant changes to my credit report etc. In accurate date of first delinquency ( Because XXXX county and XXXX XXXX do n't have one ) I WANT ALL ECMC TRADELINES REMOVED Higher Education Act or FCRA they are in violation. I am also in the process on obtaining supporting data from the XXXX original creditors showing in school deferment and will take on their absorbent fees they added on. 

Some how the DHE got it right with their reporting but ECMC cant figure it out : -/ Please HELP ( PLEASE SEE attached XXXX Is the original Creditor showing DOFD XX/XX/XXXX and the ECMC XX/XX/XXXX ) As you can see XXXX and US dept of education are no negitives and current due to in school deferment.

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 03/26/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent proof of identity theft to the XXXX credit bureaus they have not acknowledged the information or removed any of the accounts. I have done this on 4 occasions in the last year, i have gotten a police report, ftc affidavit, and requested the bureaus to send me proof of these items that they are saying i recieved gainfully. I do not know what else to do at this point. I have done everything that was requested and they will not remove the items

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I just received the Trans Union Report, I just do n't get why they continue to not do their job? 
I attached my TransUnion credit tracker1- it shows a Delinquent account- I can assure you there no accounts that I have anything past due, All I ask is which one? 

2- Under Open accounts, it shows XXXX , XXXX is a closed paid account long ago. 

I appreciate the availability of Credit reporting information available to the consumer these days, but it 's the disgust when you look at it time and time again and it 's not correct. Life is hard enoughMy personal employment information they find difficult to correct, I have been in the same same address for 11 years, with ownership changes that are common in my industryCurrent EmploymentXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX mortgage was taken over by XXXX XXXX was taken over by XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Sometime XX/XX/XXXX my wife applied for and was issued a credit card in her own name XXXX my name not associated ) from XXXX Bank XXXX perhaps their predecessor, XXXX XXXX. This was during the freewheeling credit period when banks were issuing credit cards to babies, names from tombstones and to family pets. Subsequent to the issuing of the card the account was sold many times to, among others, MBNA, XXXX XXXX, XXXX Bank, Bank of America, and ultimately FIA Card Services. At some time during all these sales someone interjected my name as XXXX the owners of the account. My wife subsequently filed bankruptcy against the debt. FIA Card Services is now attempting collect this debt from me. I have spoken to and written to FIA Card Services on a number of occasions explaining their error but they refuse to acknowledge the mistake. I have asked for any documentation they may have that would associate me with the account such as a credit app or my signature on any purchase receipt or any other documentation they may have. They have replied on more than XXXX occasion that they are " unable to locate the item ( s ) '' I have requested. Even though they have no valid reason to associate this debt with me FIA has reported this misinformation on my credit report and is now trying to extort money from me to satisfy this debt. 
FIA has admitted that they have no documentation to associate me with this debt and yet they continue to report this damaging information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not adequately protect my critically personal information and did not have security measures in place to prevent a privacy breach. My social security number and other identifying information that can be used to steal my identity has been released to public domain.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Credit card) with Platinum Holdings Group, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I defaulted on my XXXX XXXX card in 2009. Now a debt collector calls harassing me in regards to the debt and threatened to serve me for it. I asked him to send paperwork in regards to it and he declined and repeatedly told me to pull my wallet out and just pay the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Customer service / Customer relations

Complaint: I have contacted Capital One by registered mail on XXXX separate occasions since XX/XX/XXXX, requesting a validation for account. The first being delivered and signed for on XX/XX/XXXX, On all occasions, they failed to provide the requested documentation, information, or to notify credit bureaus of the dispute. 
All steps followed CFPB examples and Capital One failed to properly validate and send me all of the documents CFPB indicated I could request. 
On all XXXX occasions they failed to notify any of the XXXX major credit bureaus that account was being disputed by consumer as required by law. 
After my XX/XX/XXXX letter requesting validation, not only did they fail to notify any of the credit bureaus that account was in dispute. But in possible retaliation, on XX/XX/XXXX they notified XXXX the account was over credit limit again. This over limit was reported by Capital One to the XXXX credit bureaus in late XX/XX/XXXX, and the account according Capital One has been closed since XX/XX/XXXX. 
In XXXX I made an on-line dispute through XXXX in regards to a separate issue about this account. At that time the dispute was reported by Capital One to XXXX and XXXX as account being disputed and that dispute was resolved. However, it was not resolved or investigated. 
At the time of the filing of the online dispute, XXXX was NOT notified this account was being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Using a debit or ATM card

Complaint: I had a checking account with Bank of America. They now have the me in XXXX saying Suspected Fraud Activity ( SFA ). I owe them No Money so I want them to stop reporting me. I did dispute this already but they did nothing. And because of this I can not open another bank account. As for the SFA they did not give me any information about that. 
I remember I tried to use the atm card at a gas station in XXXX 2014 and after 2 swipes it didnt work. So I went inside for them to try it and I guess at that time B of A cancelled the card. I 'm thinking perhaps that 's what happened. But they are not giving me any information. Plus again I do n't owe them any money unless I would have paid them. 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 08/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had informed the collection agency the alleged debt was in dispute with XXXX and not owed. Further, I told the agency that no adverse credit bureau reporting should occur until such time the dispute was either resolved or sent to arbitration for ruling. 
The credit agency responded by providing assurance they would speak with the creditor and contact me with a reply. I never heard back from the collection agency or creditor regarding my assertion the debt was not owed or my request for arbitration. The collection agency proceeded to place a negative account unpaid on my credit history with the credit bureaus. Since that time I have been in contact with the collection agency and conveyed demand they remove the negative account information immediately. I was told the account had neen sent back to the original creditor ( XXXX ) and Diversified would no longer be of assistance in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Today I called Navient to discuss a new payment because my forbearance is ending in a couple months. I am currently enrolled in an extended graduated plan which I understood to be an IBR plan - I thought all plans besides the normal payment amount were IBR. I asked the representative why interest was capitalized in XX/XX/2015 because interest should not be capitalized ( or accrued or something ) during IBR, unless you get off of IBR. She told me that because I left IBR and got onto the extended graduated plan, that the interest was capitalized. The change from IBR to extended graduated was made over the phone in XX/XX/2015 with Navient. I have no recollection of being told I was leaving IBR, and I most certainly have no recollection of being told that interest would now be capitalized. 

I am really upset that I do n't get a clear answer from Navient on what exactly will happen to my loan and balance until after everything is said and done, until all of the interest is tacked on to my loan. I thought I was making a good financial decision to go onto the extended graduated plan and only now I fully understand that was a bad financial decision. 

STUDENT LOAN REPAYMENT PLAN DISCLOSURES MUST BE IMPROVED : I am a very educated person and even I ca n't seem to make fully-informed decisions on my student loans because the repayment plans and rules are so complicated. These 'repayment ' plans are not designed for repayment ; they are designed to keep the borrower paying interest/fees every month to stay out of default ( to keep their credit score/history from being hurt ). Repayment means the borrower will have a fair/good chance at repaying the principal of the loan. Loan sharking is giving the borrower little to no chance of repayment while still keeping the borrower paying something to the shark. 

For full disclosure, I became extremely angry and cussed out the representative ; I am sorry for that but it does n't change the inadequacy of the disclosure of changes to my loan terms and capitalized interest. 

The phone call in XX/XX/2015 that I made that ultimately lead to me ( I only understand now ) to get off IBR and onto extended graduated payment plan was not enough information, enough disclosure to make this change. More clear written information about the consequences of these loan changes/choices must be implemented so borrowers do n't make the same decision I did that lead to more than {$12000.00} of interest being capitalized on my loan. THE EXACT COST - OVER {$12000.00} - OF MOVING FROM IBR TO EXTENDED GRADUATED SHOULD HAVE BEEN DISCLOSED TO ME DURING THAT PHONE CALL AND IT WAS N'T. 

What are my options now? I will never be able to repay my loans. I want someone to call me to discuss going into default on my loans. Nearly 4 years after gradudation my loan balance is over {$25000.00} more that it was when I graduated. I will never be able to repay this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a cosigner on my daughter 's student loans. As outlined in the pending suites we have been victimized by Navient 's unfair, deceptive and predatory business practices. On numerous occasions Navient has not been helpful in trying to resolve issues and, as noted in the various government complaints, tried to steered us into more costly forbearance. There have also been instances where monies have been misapplied to loans. I have been trying to work out a plan of action to get current with Navient but have encountered resistance at each turn. I also feel i have been outright lied to concerning information on payment postings.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: The loan servicing company forcing me to pay my property tax to them, while there is no documents exist with my signature that I am obligated to pay my taxes to the lender.   I am paying my mortgage on time and paying my property tax on time through them when it is due, not on a monthly bases.   They applying my mortgage payment towards escrow account, and then threaten me that I am in default.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Medical) with United Consumers Inc (DC).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called United consumers inc. to inquire about a bill that has linked to my credit when i was on my fathers insurance as a dependent. The male named XXXX was very rude when I was trying to resolve the issue he would n't give me a chance to tell him my problem i was actually trying to see who should I talk to about my issue instead of him helping me he raised his voice at me in a aggressive scary manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Billing disputes

Complaint: Near the beginning of XXXX of this year I setup my Barclay 's XXXX XXXX XXXX account to have the minimum payment due drafted from my bank account at XXXX XXXX XXXX XXXX on the payment due date in XXXX. 

I forgot I had setup the auto draft and paid the minimum due on XXXX XXXX. On XXXX XXXX Barclay 's drafted my bank account for the minimum due resulting in the payment being rejected due to lack of funds in the account. I was in the process of changing banks and had very little in the XXXX account. When I saw the charge for the returned item by my credit union, I immediately went to Barclay 's website and cancelled the automatic draft. On the XXXX of XXXX, I receive a confirmation email stating that Barclay 's has canceled all future auto drafts. On XXXX XXXX, Barclay 's submits another draft to my credit union for the minimum due resulting in another rejection fee by my credit union. 

When I called Barclay 's for an explanation and for an refund of the overdraft fees, they tell me that because the first draft was rejected due to insufficient funds they submitted it again. Even though I was informed by Barclay 's that no future repeat drafts would take place. 

Barclay 's representative told me they have right to resubmit the request for payment. I asked about the email stating all future drafts would be stopped. The draft made on the third did n't count because it was still scheduled and even though all future drafts are cancelled, they still had to submit the draft as scheduled. 

I think I should have all of my bank insufficient fund fees reimbursed for the following reasons. 

1. On XXXX XXXX, I paid the minimum due. The auto draft was established to pay the minimum. The minimum due by the time the auto draft was to take place was XXXX 2. I received an email from Barclay 's stating all future auto drafts would be cancelled. The next draft that took place happened at a future date after being informed all future drafts had been canceled. 

3. When asked, the Barclay 's representative could n't tell me where in the credit card 's documentation it explained the process they use once a payment is rejected due to lack of funds. My question is, if the representative does n't know where in the account documentation the process is stated how am I supposed to know about 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 monetary relief
Consumer complaint received 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Claiming a higher value than was verbally given by the apartment management. As well as a debt that I have never seen or been informed that was to be paid. They continue to harsh and call without sending any follow up documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (NV).
Issue: Account opening, closing, or management

Complaint: YOU ARE STRICTLY PROHIBITED FROM CONTACTING XXXX XXXX WITH THREATS OF INVESTIGATION, MISCONDUCT OR ACCUSATION. YOU ARE UNDER STRICT PROHIBITION FROM ANY MISCONDUCT INVOLVING XXXX XXXX ' FUNDS OR BANK ACCOUNTS. YOU MAY NEVER JEOPARDIZE XXXX XXXX ' MONEY SUPPLY, ABILITY TO EARN, PROFIT MARGIN, NET WORTH OR GROSS DOMESTIC PRODUCT. 
YOU ARE HEREBY ORDERED TO CEASE AND DESIST FROM ANY ARGUMENT OF DOUBT AS TO WHETHER ANY BANK ACCOUNT AT YOUR INSTITUTION IS WHOLLY MINE. 
YOU ARE SEVERELY PROHIBITED FROM ARGUING THAT THERE ARE NOT ENOUGH RIGHTS TO WITHDRAW FROM ANY ELECTRONIC TRANSFER TO FUND ANY ONE OF MY ACCOUNTS. YOU ARE COURT ORDERED TO ADMIT OUT LOUD THAT THE MONEY IN THESE ACCOUNTS IS LEGALLY AND RIGHTFULLY MINE AND THAT YOUR BANK MUST ACT TO ASSIST ME LIKE ANY OTHER CUSTOMER. 
YOU ARE ORDERED TO CEASE AND DESIST FROM ANY BLOCKAGE OF THE ELECTRONIC SYSTEM. 
YOU ARE HEREBY ORDERED TO CEASE AND DESIST FROM ANY OBSTRUCTION OF MY CUSTOMER SERVICE DEMANDS SO THAT YOUR EMPLOYEE DOES ACT TO HELP ME WITH EVERY REQUEST JUST AS THEY DO ANY OTHER CUSTOMER. 
YOU ARE STRICTLY PREVENTED FROM BLOCKING MY RIGHT TO WITHDRAWL. 
YOU ARE STRICTLY FORBIDDEN FROM ISSUING ANY WITHDRAWL TO A WELFARE OFFICER, POLICE AGENT OR OFFICER OF THE COURT. YOU ARE STRICTLY PREVENTED FROM EVEN MARKING MY ACCOUNTS WITH NEGATIVE INFORMATION ON THEIR REQUEST. ALL MARKINGS FROM THE BANK SHOULD REFLECT POSITIVELY ON THE PERSON. 
YOU ARE STRICTLY PROHIBITED FROM OBSTRUCTING ME FROM RECEIVING MY INTEREST CHECKS BACK IN THE MAIL ON MY CD 'S. SEND ME THE INTEREST CHECK BACK IN THE MAIL AT THE END OF EACH TERM ON EVERY SINGLE CD AT YOUR BANK. 
YOU ARE SEVERELY FORBIDDEN FROM ASSISTING ANY SURGEON IN OBSTRUCTING MY ACCOUNTS. 
YOU ARE ORDERED TO CEASE AND DESIST ANY UNLAWFUL ATTEMPTS OF FATAL DEATH THREAT, HARASSMENT OR INVESTIGATION INTO ANY MATTER WITH YOUR BANK WITHOUT FIRST CONTACTING XXXX XXXX LEGAL REPRESENTATIVE LISTED BELOW : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Comenity Bank failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of Comenity Bank pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my XXXX report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my XXXX with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to Comenity bank to make a decision simply for a store card seems to be illegal in my opinion. How can Comenity Bank do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!

Company response to consumer: Closed with explanation