milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2016 about Debt collection (I do not know) with Arnold Scott Harris, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous robo calls for a long time from XXXX XXXX XXXX, XXXX ( info on caller ID ). You do n't get a live person when you wait to connect to tell them to quit calling or find out why they 're calling. I have filed complaints with the Illinois Attorney General 's office and XXXX and received no response. I just received another call yesterday ( XXXX XXXX ) and want these calls stopped. If you do an Internet search, you 'll see many people complaining about this law office which is generating the calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Student loan (Federal student loan servicing) with ACS Education Services (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been trying to get my loan that is currently consolidated with ACS-Education Services to be transferred over to XXXX which is the student loan forgiveness program through the government. They will not release my information to the company, I have made many attempts. I have even made a complaint to the XXXX Group who is still trying to retrieve information from them with no success. They keep raising my IBR payments when I submit my paperwork or they lose it and say that I have n't sent it in. I have really had a hard time with this company for some years now and it seems that I 'm not the only XXXX. I am in a waiting period to see if the Ombudsman group can find out whats going on. In the meantime my information is not being put in the system correctly when XXXX has tried to retrieve the loan or they keep changing my status. I have been billed for this month on the XXXX but for everything that I have been through I feel that I have to refuse to pay until they release my loan to XXXX. I 'm on here because I do n't want ACS to mess up my credit while going through this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 received an email earlier through Equifax Inc was still working on the issue. At XXXX I received an alert there has been another change. Both accounts were settled same day with XXXX not as reported by XXXX through Equifax XXXX Inc for 3rd party disclosure adversely and drastically affecting my credit score within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (NV).
Issue: Account opening, closing, or management

Complaint: I submitted a credit card application with Navy Federal Credit Union knowing that my chances of approval would be slim, due to credit history. I was n't surprised that I was denied when I received my adverse action letter however, the reason for denial felt discriminating. To my understanding if reason for denial was based off of credit history, it should have been specific what the decision was based off of. None of that was indicated, and I assumed that it was my bankruptcy on file that affected my chances. If so, that still was n't the case. Regardless of the reason, consumers should be aware of the specifics of denial. This would alert consumers of ANY negative reporting that causes a huge impact on their credit. A possibility of something a consumer is n't aware of ; which would then be considered fraudulent activity. 

The reason for my DENIAL is stated below : ** YOU CAUSED NAVY FEDERAL A LOSS ** This is NOT a legitimate reason for myself as a consumer. There are so many regulations in place regarding consumer rights and protection, yet many consumers need to take actions themselves because certain regulations are n't being followed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am in the income based repayment plan. Every spring after completing my tax return, I re-submit my annual IRB paperwork. This spring the website to submit the information through was down for weeks to months. So I printed the paperwork and mailed it to FedLoans, my servicer. They incorrectly inputed my family size as XXXX  instead of XXXX. As a result, they said I owed $ XXXX/mo when in fact I owed $ XXXX/mo. I called several times and had them do a re-calculation. ( Which it seems like most years I have to do. ) But this year, although I was assured it would be completed in 7-10 business days, way before my first due date of XX/XX/XXXX, it was not. In fact, ultimately I requested an expedited recalculation and an even more urgent recalculation. Finally in XX/XX/XXXXthey got the amount right.
However, I was already set up for direct debit. I thought this would be a smart way to ensure that I was never late with a payment since the penalties are so harsh if you are. So in XX/XX/XXXXthey pulled {$750.00} from my checking account that they were not entitled to. When I called, they said it was too late to stop the payment. I cancelled direct debit at that time. In XX/XX/XXXX, I paid them what I knew I owed them even though officially they still billed me {$750.00}. In XX/XX/XXXX, they finally billed me for the correct amount. I sent in my payment of {$520.00}. 3 days later, they pulled a second payment of {$520.00} even though my direct debit was cancelled and I deleted my account info from the website. I called and spent 48 min on the phone today trying to get them to apply the second payment to my XX/XX/XXXX bill. However, since I am in the student loan forgiveness program, they can not. They directed me to go to my financial institution to dispute the direct debit. So in the last 2 months, they have pulled {$750.00} out of my checking account that they are not entitled to. {$230.00} they have told me I will never get back. I can dispute the most recent ( second ) payment of {$520.00}, but who pays the fee to the bank to stop payment. And how do I know that they wo n't pull money out again next month. They told me that they wo n't now, but I 've heard that before. Please keep these incompetent people under control. How can they be allowed to function like this???

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with On-Site Manager, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently received a credit report prior to applying for an apartment. 
In the criminal background check area there are XXXX charges that are NOT mine. 
Case Number : XXXX XXXX. 
Case Number : XXXX XXXX XXXX XXXX. 

I would like these XXXX charges taken off of my credit report asap as they are not mine. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX, I have been asking for a copy of the originally signed contract. It can not be produced by XXXX or Experian since the credit account was with XXXX XXXX. Experian has been ignoring my requests for more than 30 days now. XXXX XXXX XXXX also can not produce it. The account needs to be removed since It can not be produced. 
XXXX XXXX XXXX, i have been asking for signed original contract. Where is the XXXX credit card agreement and the full payment history as requested.

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 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receiving letters from a collection company threatening that credit rating will be affected if equipment is not returned and service fee not paid.

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 01/30/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; This is not my NAME : XXXX XXXX please removed XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # {>= $1,000,000} XXXX acc # XXXX XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX this is not my name : NAME : XXXX XXXX please removed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 10/23/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have formally requested by certified mail on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 that XXXX XXXX XXXX XXXX XXXX provide me with VALIDATION of the account they have listed under my social security number acct # XXXX that they are reporting to the XXXX major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I request such VALIDATION of the debt. Also to certify that the debt was incurred legally during the period it may have been payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit. They have failed me and only provided me with an invoice bearing no evidence that this debt belongs to me. They have also stated that they have disputed this account and will not dispute it any further and no further response will be forthcoming from their office they consider this dispute closed.Thank you in advance for your assistance in getting this account deleted since they have failed to provide me with validation in a timely manner per the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 've been trying to get this this bankruptcy removed from my record from Equifax and XXXX with the law that went into effect in XXXX 2017. According to the requirements to remain on my record it must have 3 of 4 things. 1. Date of birth 2. Correct address 3. Full social security number 4. Correct name. The name just says XXXX XXXX, theirs alot of them I 'm XXXX XXXX XXXX XXXX, Does n't have a full social security number, the address is not where I live. And the listing has no return address which has to be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Debt collection (Payday loan debt) with ASG Solutions LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: ASG is a collection agency and they contacted me for a debt from XXXX XXXX. I had already sent XXXX a letter to cease and desist. 
I received this call from XXXX XXXX of the collection agency. He was asking me questions really fast but would n't let me answer. As I was asking him to not call me again at work and that I had an attorney, he said what kind? I said a bankruptcy attorney. He then started accusing me of filing falsely for bankruptcy and paying my attorney with the funds. I could n't get a work back in. He then said, thanks for saying all of this on a recorded line and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/2015, I was made aware by the IRS that there were two years in which I was a victim of identity theft. This person used my information to collect my tax returns for those two years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. 

This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the IQ Data International Company disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. 

On XXXX, I received a response from this company with a copy of a lease that included my name type written at the bottom and bearing no signature in the signature fields. 

I sent a response advising that this was not sufficient proof and again requesting proof of a lease bearing my signature. 

I requested the below in my certified letter : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company public response: Company believes the complaint is the result of a misunderstanding
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I Contact ( TRANS UNION Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ TRANS UNION ] and I noticed Multiple unauthorized inquiry had been made. I contacted [ TRANS UNION AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into [ TRANS UNION AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. Here 's The Following Inquiries .... 1-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2-XXXX XXXX XXXX Inquiry fromXX/XX/XXXX 3-XXXX Inquiry from XX/XX/XXXX 4-XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX 6-XXXX XXXX Inquiry from XX/XX/XXXX 7-XXXX XXXX Inquiry from XX/XX/XXXX 8-XXXX XXXX Inquiry fromXX/XX/XXXX 9-XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX Inquiry from XX/XX/XXXX11-XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. On XXXX XXXX, 2015 a credit inquiry was made by XXXX XXXX. On XXXX XXXX, 2015 a credit inquiry was made by XXXX. I sent certified letters to both XXXX XXXX and XXXX and received letters from XXXX acknowledging the fraudulent inquires and stating that they would be removed. Equifax has not removed the inquiries and has told me they must receive the request directly. Attached please find my fax to Equifax with copies of letters from XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Payday loan debt) with Oracle Financial Group LLC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I took out an advanced payday loan in the amount of {$500.00} while struggling through college in "  XXXX   XXXX  ''. At the time I was working part time in between classes and was soon getting ready to graduate in  XXXX   XXXX . I anticipated paying the loan back a fter two  weeks, however, I was not able to fulfill that obligation. Graduating meant that I needed to focus on my grades to assure completion, so I left my job and lived on bare minimum funds. Thus not being able to pay the loan back immediately or agree to payment arrangements.     Fast forward to  XXXX   XXXX  -- This debt has gone way over my head!! I 've had so many things going on in life that I totally missed this and by the time I tried to reach out to the original company, they had already sold it! I receive a phone call from my mother-in-law stating that someone left her a voicemail detailing this debt and warned her that they would take legal action if I did n't respond. They stated that they needed to get documents to me right away but have not been able to get in contact with me.     I reached out to them to get more information, ( I have not idea what this is about at this point. I do n't even live in the state and it 's been well over a year, all my debts are paid! ) about this debt and find that it is the pay day loan that was taken out over a year and a half ago. I am currently unemployed, so I tried to reason with her on a date that I could call back to pay it off ( giving me time to accumulate the money ). The representative was very argumentative and aggressive in her approach. She told me that my compromise was " unacceptable ''. She repeatedly told me that they would file a case against me in court. I continued to tell her that I do not have a job. I DO NOT HAVE A JOB!!! What am I to do besides try now to make an arrangement? This conversation ended with her hanging up or accidentally ending the call. * I want to insert that this is my first time speaking with this company. I do n't even know if they are legit. * I understand that we all have jobs and rules that we have to follow, but were is the humanity? If a brother or sister owes me money, I will not continue to hound them or make them feel pressured/threatened in that moment if they can not pay me right then/lost their job. This is what drives people into doing things that we all regret after it 's done. This is how people lose their way. This is a huge stressor and I am writing this to let them know that they WILL NOT break me! I was able to work with another creditor who was more than willing to set up a payment arrangements with me and I am done with my payments to them.

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 non-monetary relief
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX, Transunion and XXXX are reporting a private loan from XXXX   account number XXXX though the timeframe for the creditor is obsolete. According to the guidelines for a private loan, if you have private student loans, they should be treated like any other negative event, cycling off your credit report after seven years from the date of the late payment. XXXX is reporting that late payment started in XXXX to fraudulent keep this obsolete creditor on my credit file. I have never paid anything on this loan there for a loan that was originated in XX/XX/XXXX according to XXXX should be obsolete as of XX/XX/XXXX. XXXX claims they verified the loan, which I do not understand why an obsolete loan would require verification but since you XXXX  claimed XXXX  verified, I requested on several occasions the Method of Verification for verified dispute ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I have also requested the name, address and phone number of the original creditor for verification. I am also requesting again the original opening dates of accounts and the entire payment history associated with the accounts. Also, XXXX is reporting a fraudulent balance on the account of {$72000.00} off of a {$33000.00} original balance which that is excessive and not correct. Also, they are reporting an address that I have never heard of or have been associated with COUNTY ATTORNEY XXXX XXXX, CT XXXX, I want it removed.

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 non-monetary relief