milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AES/PHEAA (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: National Collegiate Trust/American Education Services is misrepresenting the date of default to XXXX in order to bypass the 7 year limitations period for reporting derogatory information. 

The date of first default was XX/XX/2008 because the promissory note clearly states default occurs when a Bankruptcy proceeding is initiated by me. ( Page XXXX Paragraph I ( XXXX ) ). 

I filed Chapter XXXX Bankruptcy of XX/XX/2008 and included this alleged debt in the matrix of creditors. The creditor was served ( See service of process ) and a discharge was ordered on XX/XX/2008 ( see discharge order ). NCT/AES did not object to the discharge order. 

Finally, this note was falsely labeled by XXXX XXXX XXXX as an educational loan but I was not a student when the loan was issued. I was in the hospital and no longer enrolled at the University XXXX. Furthermore, the University XXXX failed to certify the loan, and the check was not made out to the University XXXX. The interest rate was over 20 %, and required a cosigner. 

I never made a payment on this account. The only payments made were by my grandmother. The debt collector was extremely abusive, calling my grandmother several times per day demanding {$100.00} payments and increases in payments, even while she was in XXXX. She was XXXX when this debt collector continued to harass her by calling frequently to obtain additional payments before her death. 

The loan 's proceeds were used for gambling and other personal expenses. I was not a student and the loan was falsely certified.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS IS NOT A DUPLICATE COMPLAINT!! THE LAST TIME I FILED THIS COMPLAINT, IT WAS MARKED AS DUPLICATE AND THESE ARE XXXX SEPERATE COMPLAINTS AND CONTAIN XXXX DIFFERENT ACCOUNT NUMBERS. Midland Credit Management is reporting late payments of 180 days plus during the months of XXXX, XXXX, XXXX, and XXXX. Midland Credit Managment is a 3rd party collection agency and they are not allowed to report late payments to any of the credit bureaus, however, it seems as though they are getting away with it by reporting to XXXX and XXXX only that an account with them is 180 days late. I 've tried on numerous occassions to get this fixed and have been unsuccessful. I 've requested statements and/or a contract bearing my signature and they 've yet to respond with anything I 've requested. Instead they continue to send the same responses over and over as well as setlement offers and I 'm not paying for something if I do n't know where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A debt of what was recently said to me of {$810.00} was a result of an overdraft fee from 2006 by a bank under FDIC. A phone call was received by company who was tasked with contacting me to deliver a summons or something to that effect provided me with the information of the attorney 's office that accepted the case. When I proceeded to contact this office a representative of this office did not fail to enforce understanding upon me of severity of paying the amount in full or be taking to court. However as I requested detailed information of the matter by rights of the first initial contact received, the representative refused to provide any information. As a military service member I then proceeded to take the matter to the Judge Advocate General who in representation of me attempted several times to speak with any representatives in that office and none answered or return a call on the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted Trans Union, XXXX XXXX & XXXX each with separate letters describing all the information that is incorrect on each of my 3 individual credit reports. 

I sent the first set of letters over 70 days ago, to each of the bureaus, with no response. 

I sent a second set of letters over 31 days ago, again with no response. 

Showing in detail the Inquiries that are fraudulent, the accounts that do n't belong to me and addresses, phone # 's, and Names that are not mine. 

I also sent copies of my SS # My XXXX state ID, and a current household bill showing my Address. 

Despite each of the Credit reporting agencies placing a " Fraud Alert '' on my account, without me asking. They have not removed all the incorrect information, and they have not provided and signatures showing I have an account or a contract with the Companies in question. 

I feel this is a serious abuse of my legal rights and I am hoping to find some resolve with this complaint here and now. The following are all the misreported information on my 3 Credit Reports. 

The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by TRANSUNION ; XXXX XXXX/XXXX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX The following are miss-reported and or 100 % inaccurate Names Alleged by TRANSUNION ; XXXX XXXX XXXX The following are miss-reported and or 100 % inaccurate Phone # s Alleged by TRANSUNION ; ( XXXX ) XXXX, ( XXXX ) XXXX The following are miss-reported and or 100 % inaccurate Addresses Alleged by TRANSUNION ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following are miss-reported and or 100 % inaccurate Accounts Alleged by TRANSUNION ; XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by TransUnion ; XXXX XXXX court-XXXX  Bankruptcy XXXX/XXXX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX XXXX XXXX XXXX court-XXXX  Bankruptcy XXXX/XXXX/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 11/14/2016 about Debt collection (Credit card) with Hunter Warfield, Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I called the number XXXX to hunter warfield inc, when I was talking to the collector he mention this company charges interest of 6 %, when I asked why they charged is a collections he told me is what they charge period I try explain if they have any documentation about that he said, I asked for the validation of the debt he was telling me that paper is XXXX that important since account is already in collections I ask anyway.I want informacion why this collections is charging interest. my social # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: My loan was transferred to caliber loan company in XX/2015 at the point I was behind on my mortgage. I was offered a modification and the only option given was an interest only modification for 5 years I sign the documents under duress because I feared being homeless with my XXXX children. the company increases my interest from 3.75 % to 4.625 % for 5 years with all amounts going to interest and escrow my loans has been converted from fha to a conventional loan with a balloon payment of over 30k due before the end of my mortgage ends. I have reached out asking why was this options offered to me and I have been told that it was the only option the investors felt makes sense and to also look at this agreement as a payday loan. Unfortunately I now owe more than my original mortgage and the amount has not decreased even though I have made payments for the last two years after 5 years my payments will go back to the original amount and I will still not be able to afford it and fear going back into Forclosure. I believe I have been taken advantage of by this company, hopeless in ny.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: today I got a call at XXXX, yesterday XXXX. on XXXX XXXX. On XXXX. On XXXX XXXX. I have more records showing they consistently call XXXX times a day. They also leave multiple messages on the same day- for example I had a message at XXXX and again at XXXX which is against FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Credit card) with STERLING JEWELERS, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kay Jewlers or " sterling Jewlers '' would call me 15-20 times DAILY. They called my wife/sibling/and even my aunt and have no idea how they got their numbers. They would ask my family me XXXX person information about me in which none would disclose. They would call from XXXX different numbers so I would never have any idea who was calling. The repeated calls would only lead to XXXX XXXX voicemails a day. This was extremely embarrassing in the workplace as my phone would constantly ring during meetings. I requested them to not call anymore and to just email/mail. This did not work. Each time the person would state they are from the home office of Kay Jewlers ... But had phone numbers from various parts of the country. I never knew if it was a scam or not. The individuals who called claimed I only had weeks to make it right or serous consequences would happen to me financially. This scared me as I could easily lose my job if this were to happen. I was forced to surrender my belongings out of fear of this which amount to {$1600.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This COMPLAINT is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Experian did not remove fraudulent information such as address, phone number and/or account information from their data base. The information does not show on my credit, the one I can see as a person. 

I can not verify my identity to access a free credit report, dispute inquires on my report, renew my health insurance and so many other things. 

I have been reporting this issue to them for years.

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 10-12-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Disputed incomplete report information. Provided court copy of Master Satisfaction and Release of Mortgages recorded by the Clerk of the Circuit Court of XXXX County, Florida. 
Response received stated, " Unfortunately we are unable to honor your request to place credit information ( i.e., Satisfaction of Mortgages ) into your personal credit file since we would be unable to verify the data. We only receive public records information from our vendors who collect it from the courts. " The court record provided should be all the verification needed and can be easily verified online on the Clerk of Courts XXXX Co., Florida website. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Previous complaint number XXXX. Company responded to the complaint with the following : There is no question that the consumer provided insurance information on the dates of service in question XX/XX/XXXX andXX/XX/XXXX, however, the consumer 's carrier denied payment for the claims. We have flagged the accounts as in dispute, and have provided the consumer with the required validation. We have verified with our client that the information being reported is accurate. My response to new complaint : If my insurance carrier denied payment for the claims you mentioned, this means that they notify you and they notify me. They never notified me, if they had notified me I would have investigated the reason back in XXXX. Therefore, I am sure that they notified you, so you have documents to back it up. Please provide those documents so I can contact the insurance carrier to investigate why they denied the claim and did not notify me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Bank account or service (Other bank product/service) with Comerica (TX).
Issue: Using a debit or ATM card

Complaint: This is the second time my card with comerca bank with direct express. Had had money taken out with out my knowledge the last time I was told that I would not have to wait the 45 days for investigation. I would have my funds go back in pending investigation. XXXX XXXX took. When I called they told me that the account does not belong to me. Then I get a email that they can not refund me because the people who used my account got right home address. Someone needs to get my XXXX payments back in to my card be for I end up homeless with XXXX kids. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX 's account included in bankruptcy and discharged but still reports as a charge off. It was never a charge off. I disputed via credit reporting agency and the information is deleted then reinsert ed showing a balance owing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a credit Ca rd at Chase and got declined. I have a credit score  above  XXXX  and was told that I had opened too many credit cards. I asked if that was their policy "  XXXX  at lending '' stated that it was CHASE policy and there was nothing I could do about it. I asked for a copy of the policy or if she can tell what the policy was. In essence I wanted to know how  many ( a number ) credit card s were too many. She stated that she could not disclose that. I mentioned that I needed to know so that I do not go through this problem ever again. I asked if this was an industry wide thing or just a CHASE thing, again she stated that she could not disclose that either. For a publicly traded company all policies when it relates to consumers and their credit should be disclosed. If I had been told that if you open " too many credit cards '' you will be declined i Would not have applied. It is imperative to know how many is too many as a decline shows as a derogatory on y our credit score affec ting my ability to get better terms with creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: BANK OF AMERICA CREDIT CARD - ACCT # XXXX WAS OPENED AND USED IN MY NAME WITHOUT MY KNOWLEDGE OR CONSENT, BEGINNING XXXX XXXX. ACCORDING TO MY MOST RECENT CONSUMER CREDIT REPORT, THE ACCOUNT WAS CLOSED/CHARGED OFF WITH A BALANCE OF OVER {$8000.00}. NO CARD, STATEMENT OR CORRESPONDENCE EVER ARRIVED AT MY RESIDENCE- SUBSEQUENTLY I 'M UNAWARE OF THE FULL ACCOUNT NUMBER OR ANY TRANSACTIONS ASSOCIATED. 

DISPUTED THE ACCOUNT VIA CREDIT REPAIR SPECIALIST IN XXXX, BUT WAS UNABLE TO PROCEED BECAUSE I DO N'T " HAVE ENOUGH ITEMS THAT NEED REMOVAL '' ACCORDING TO THE SPECIALIST. BANK OF AMERICA REFUSED TO PROVIDE ANY DOCUMENTATION OF THIS ACCOUNT AND ERRONEOUSLY UPDATED STATUS TO 'DISPUTE RESOLVED '.

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 01-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a private student loan with XXXX XXXX some time ago they sold the loan to Navient. There have been making auto payments out of check since 2010. I have also been making payment to Navient Both parties are claiming they own the loan and will not t tell me who owns the loan. Navient is most rude and hang up when you are communicating and tell me to contact XXXX XXXX. XXXX XXXX tells me to contact Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying my student loan off for XXXX years, on time and in excess of what was due. Recently after hearing about Navient complaints I asked for a balance of my loan. I received a statement stating as of XX/XX/XXXX my balance was {$3300.00} and could be paid in full if paid within XXXX days. I thought that after making regular payments, since I do not receive a paper statement, my loan would soon be paid in full. I checked my balance on line, called to confirm what I thought must be a mistake and found that I now owed {$5700.00} as of XX/XX/XXXX. The representative stated that since the interest was accrued XXXX, blah blah, all of which made no sense..I asked for a written accounting of my payments and balances. What was sent to me was the same information I could have gotten on line which does not include where my payments have been applied, nor does it state, as requested, the original amount of the loan taken over by Navient from XXXX with running balances of the amount due. I checked the account number of the loan ( XXXX ) and they are the same. My loans were consolidated at XXXX point but there is only XXXX account number and XXXX total balance. I ca n't understand using any accounting method how my student loans can be increasing while making payments in excess of minimum payments due.

Company response to consumer: Closed with explanation