milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with RentDebt Automated Collections, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4100.00} with   XXXX   and   XXXX   credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received a loan for XXXX dollars to put myself through school in XX/XX/XXXX. I do not have all the documentation however my current balance is XXXX dollar and I have paid XXXX. They denied my request to enter forbearance during XX/XX/XXXX-XX/XX/XXXX even though I had proof I was still enrolled in a graduate program. They have compounded interest upon me unfairly. In the statement I am looking at it states I have satisfied XXXX dollars of principal and yet I still owe XXXX dollars?? They are price gouging! I would like the interest that accrued to be reduced/eliminated from when I could not make payments while enrolled in a graduate program. Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was instructed at the time of signing that if I paid the minimum, which at the time of signing was {$100.00} a month, I would pay off the loan in 10 years. I started to pay off the loan in XX/XX/2004 and I am still paying, but the minimum payments have gone down over the years while I have still payed {$100.00} per month till two months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with NETSPEND CORPORATION (CA).
Issue: Application processing delay

Complaint: I purchased a debit card loaded with {$150.00} from www.netspend.com. the card said ai had to call a number to activate it. After XXXX tries the recording said there was a problem activating it. I spoke with XXXX woman from whom I was disconnected. Another man connected me to a supervisor who told me the card was limited to instore transaction which I did not want and he could n't fix it, claiming it was irreversable. I was trying to get information and he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Medical) with Debt Recovery Solutions, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After discovering a recent negative account added to my credit file, I contacted the Debt Recovery Solutions company located in XXXX XXXX inquiring about the account. I was informed it was a physician bill from XXXX years ago. I challenged that I would owe a physician {$630.00} as I have always had insurance and asked for proof. After XXXX weeks, I called a XXXX time stating I did not receive the requested information. The lady was very rude, overtalking me and I had to ask her to let me finish my sentences. I informed her that I would be researching the validity of the account and asked what the discount would be for me to pay it, if it is found valid. I was informed that {$530.00} would be accepted. After contacting XXXX XXXX XXXX XXXX XXXX XXXX ( my insurance provider for the last XXXX years ), they stated the physician, XXXX XXXX, never filed a claim for rendered services. The fact that their office did not file a claim to my insurance company, within XXXX months of service as allowed, can not leave me liable for the fees charged. Furthermore, I never received a notice of collection prior to this appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Mortgage (Conventional home mortgage) with UNITED GUARANTY CORPORATION (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: WHEN FILING BANKRUPTCY DOES NOT EQUAL A FRESH START! 

As of XX/XX/XXXX, our bankruptcy became final. Despite the downward spiral of the economy at that time, we believed we were given a fresh, new start. Little did we know that eight years later, while applying for a VA mortgage refinance ( Ref. :  # XXXX ), we would still be stuck with a remnant of a second mortgage which was specifically included with that bankruptcy. 

Turns out that XXXX XXXX XXXX, now XXXX XXXX, had insured our 2nd mortgage ( Ref. : # XXXX ), through XXXX XXXX XXXX XXXX XXXX of NC, c/o XXXX XXXX ( Ref. : Acct. # XXXX XXXX ), who then, unknown to us, retained a lien on our homes title. So, in order to clear the lien and secure the new mortgage, we had to pay the insurer {$17000.00}. That money was originally slated for some home improvements and bill consolidation.
Here are my points : The original Fresh Start intent of this bankruptcy was totally defeated by the above activity. Plus, we would have gone to our graves while not knowing that our heirs would have to deal with this problem. How embarrassing. Now, if all of this is legal, what good is it? What purpose does it serve, except to protect only those who need it least?
I still have the paperwork and details of the above, as well as of the ignored attempts by us for a Mortgage Loan Modification in XX/XX/XXXX, while the economy and our business started really going south. ( Please note, that the original mortgage was finally modified ( Ref. : XXXX & XXXX XXXX # XXXX ) after the bankruptcy, which then avoided foreclosure. ) When I queried the reason they werent responding, I was told that the bank was so busy, that they were answering only those who were already in arrears ... which, we werent, yet. Of course, there begins the rest of the story, which lead to our filing bankruptcy and later, during better times, the story above. 

If someone in your offices can see there is a more positive resolve for us, in this {$17000.00} confiscation, Id be more than happy to supply all the necessary documents. Please, just let me know. 

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: I received notice on my credit score service that my Home Depot Citibank card was past due on a {$17.00} balance which had ballooned to {$73.00} in fees. The late and past due bills damaged my credit score. I had never received late notices or billing information from Home Depot or Citibank. This was the XXXX occurrence of the companies required correspondence not reaching me via email, phone or postal mail. A previous similar issue was resolved in XXXX when I informed them that I was not receiving bills. Their representative agreed to waive any additional charges and confirmed my email and mailing addresses so future account correspondence could reach me in a timely manner. This did not happen and I was late and charged for a bill I was n't aware of. 

-XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with ACS Education Services (SD).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: In XX/XX/XXXX a debt collector for XXXX XXXX XXXX claimed I owed a " ULT '' student loan at University XXXX XXXX XXXX XXXX ( XXXX ). The debt collector claimed to be working for the government institution XXXX but then they directed me to pay the commercial company ACS. I asked for promissory note and any other documentation. They said they do not have a promissory note and sent me computer screen print outs. In a letter was threatened that if I challenge their claim they would raise my interest rate to 18 %. I then contacted the Department of Education and The National Student Loan Database asking about the loan and the agency ACS. I have found that there is no record of any " ULT '' student loan. I have done my own research and have never found a such loan called " ULT ''. I have printed my entire student loan history. I have receipts showing XXXX balance on student loans at XXXX. On XX/XX/XXXX I tried to access my transcripts and discovered there was a hold. This hold on my transcripts was my cause to sue and I filed a lawsuit for fraud on XX/XX/XXXX. I have since discovered a trail of fraud including a XX/XX/XXXX tax intercept and that they ( ACS and or XXXX ) were debt collecting concealed under a different name in XX/XX/XXXX on my credit report. When I did a debt of validation on my XXXX credit report to dispute a unknown claim I won that debt of validation and their claim was removed. At that time I had no cause to sue due to the concealment I was not able to make the connection that ACS was in fact XXXX frauduently attempting to collect a non existent debt. After I filed the lawsuit I was contacted by an attorney for XXXX asking me to sign something and they will give me my transcripts. I of course refused to sign anything. This is 100 % fraud and I have collected a great deal of documentation to prove it. I have since been to 3 court dates where the attorney for ACS still has not provided any documentation of any debt instead has continually tried to delay the proceedings by not sending me notices and filing motions to dismiss. The next court date is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX XXXX, I went to a Car dealer by the name of XXXX XXXX. I signed the contract in order to finance a car. The contract had an APR of 6.85 with the finance charge of {$5700.00}, and The amount Financed of {$21000.00} with a monthly payment of {$330.00} for 83 months. When I got home and looked over my contract two days later I realized the car dealer had added {$3800.00} into cash price accessories. This was someone I did not realize, I went back to the dealer on XXXX XXXX to get the situation handled where the dealers manager told me it was a " accident '' they had added that fee in. So I signed an acknowledgment of cancel contract with states, " You acknowledge that the contract for the purchase or lease of the above described vehicle entered into between you and the dealer on the previous contract date has been canceled ( rescinded ) and no longer has any legal effect ''. My new contract has an APR of 5.99 with a finance charge of {$2800.00} and a amount of {$17000.00} financed with a monthly payment of {$340.00} for 59 months. When I received my first payment of the vehicle it was based on the First contract and not the second. The car dealer did not send the correct contract. I called the finance company to let them know of the situation, they told me not to worry that they would resolve the problem. A month went by and they did nothing, they told me I had no proof. So I faxed over to them my copy of the correct contract along side the acknowledgment of cancel contract.They told me this would really help them to correct my situation. Another month went by then they told me they would not do nothing unless the car dealer faxed over their copy of the contract. I had to go trough this long process in order to have them fax it over to my finance company. Finally in XXXX the car dealer faxed over their copy of the contract, i was told by the finance company they would finally resolve my problem. On XXXX XXXX they sent all the paperwork to their office to correct. In all this time they have yet to correct my payments and XXXX even after they have received all the paperwork from both parties. They seem to keep pushing my situation to the side, or they find an excuse to not be able to resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed this debt with Stellar Recovery INC with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$18.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. XXXX XXXX received the certified letter on XX/XX/ and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

Company response to consumer: Untimely response
Consumer complaint received 08/29/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This debt with XXXX XXXX just appeared on my credit report. It came from XXXX XXXX. The amount is {$800.00}. My identity was used in connection with this debt and I have just become aware of it. Several accounts were set up and used with XXXX XXXX. I do n't owe this debt and it needs to be removed. I have contacted all agencies and informed them of identity theft. The fair solution is to have this removed from my XXXX XXXX and XXXX reports immediately.

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 09-05-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX XXXX 2015 I requested information from Navient regarding my options for students loans. I had previously lost my position at the company I was working with and was struggling to pay my student loans. When I contacted Navient I was told that my only option would be to pursue a forberance which would extend for three months and that if needed I would be permitted to file a second forberance. When I filed for the foreberance I was told that I would need to pay a fee of {$50.00} per student loan. Together this amounted to {$150.00} which was the same amount of my monthly payments. When I asked about income based repayment I was told that this was not the best route for me to pursue. 

I find that having to pay a fee for the foreberance period a bit troubling as it was not a full three months as they were basically taking a student loan payment at the time and still charging me interest on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Money transfers (International money transfer) with PNC Bank N.A. (PA).
Issue: Other transaction issues

Complaint: This complaint is regarding International money transfer by PNC Bank, XXXX XXXX XXXX, XXXX, PA XXXX. 
I am permanent resident in XXXX. I support my family who lives in XXXX. 
I have tried to send wire transfer to my mother and my niece and multiple ones of them were unsuccessful, resulting in increased financial burden for me, taking time off work to perform these transfers and having to go to the bank to check on transfers, they would not perform it over the phone, I need to go there and present my government issued ID. 
The first wire was send on XXXX XXXX, 2015 for {$9000.00}. It went through without a problem. 

The second wire was send on XXXX XXXX, 2015 for {$17000.00}. This wire did not go through. I went to the XXXX Branch and had discussion with the person sending the wire. Who would not give me any answer, I was told it was bank policy not to tell me about it. I was given no recourse. 

The third try at wiring the money happened from XXXX branch on XXXX XXXX, 2015, where I was told that the amount I was trying to send before is above the limit of {$10000.00}. So it has to be broken down into XXXX separate wires. I agreed to send this wire for {$9000.00}. It did not go through. Upon my inquiry, I was told to take my account somewhere else. 

Then I went to the downtown branch in the XXXX XXXX XXXX building. The person there told me that the previous XXXX wires did not go through because, the wire operator in the wire room entered wrong information. He also told me that I have a valid reason to transfer {$17000.00}, no reason to pay double the fee, it can be send by a single wire. He send the wire and confirmed with the wire operator exact information that was entered. This wire went through. 

Another wire was send on XXXX XXXX, 2015. This was for {$8000.00}. The wire was not received by the intended recipient. I went to the bank and inquired about it on XX/XX/2015. A phone call was placed by XXXX XXXX to the wire room, she was informed that there are multiple wires about which he is getting complaints, i think he said it was XXXX XXXX. I was told by the branch manager XXXX XXXX that she will pass it on but there is nothing else she can do to help me. 

Attached are all the copies and receipts. 
Thank you, XXXX XXXX XXXX. 
Phone # ( XXXX ) XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2018 about Debt collection (I do not know) with Navient Solutions, LLC. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For the past month I receive a robo call every evening between XXXX and XXXX. I have recordings of it. XXXX XXXX XXXX. For a few weeks the call came from XXXX. Lately it's from XXXX. Last night it came from XXXX. It's 27 seconds in length. It instructs me to call XXXX. 

I have no debts. I owe no one. I am XXXX and retired. 

I am on the Do Not Call. I am tired of getting this call every day. I have exceeded my blocking capacity.

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 09/18/2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XX/XX/XXXX, I was the victim of credit card fraud. Two large, fraudulent purchases were made on my XXXX XXXX XXXX Credit Card, issued by XXXX. As soon as I noticed the charges on my credit card account, I immediately called XXXX fraud department to dispute the charge and cancel my credit card so that no additional fraudulent purchases could be made. 

One of the purchases was for {$840.00}, and was made on XXXX. XXXX 's fraud department subsequently conducted an investigation into this claim, and notified me that because the charge was made fraudulently, the charge had been permanently removed from my account. 

On XX/XX/XXXX I received a letter in the mail from the debt collections company Caine & Weiner, claiming that I owed {$840.00} to XXXX XXXX XXXX XXXX After receiving the letter from Caine & Weiner , I called XXXX security department, who informed me that they had received no communication from XXXX XXXX or from Caine & Weiner regarding this issue. They said that if the company ( XXXX XXXX ) wished to collect on a fraudulent charge, they needed to contact the bank that had withdrawn the payment ( XXXX, the issuer of the credit card ). 

On XX/XX/XXXX I wrote a letter to Caine & Weiner notifying them that I was disputing their claim that I owed this debt, and instructing them to communicate directly with XXXX if they or XXXX XXXX wanted to continue to pursue this collection. 

On XX/XX/XXXX I sent a signed copy of this letter to Caine & Weiner via certified mail. I received notification that it was available for pickup at the XXXX XXXX on XX/XX/XXXX, and was delivered on XX/XX/XXXX. After XX/XX/XXXX, I did not receive any more communications from Caine & Weiner or XXXX XXXX until XX/XX/XXXX. 

On XX/XX/XXXX I received an email from XXXX confirming that they had completed their Fraud investigation and that they had permanently removed the charge from my account because it was a fraud charge. 

On XX/XX/XXXX, I received another letter from Caine & Weiner about the debt, asking again that I submit payment. They have clearly ignored my previous letter, since they have still not contacted XXXX. This is a bad faith effort to collect, and now constitutes harassment. They are trying to scare and harass me into paying a debt that I do not owe. If they want to collect on this fraudulent charge, they need to pursue that with the bank that withdrew the payment ( XXXX ) and not with me.

Company response to consumer: Closed with explanation