milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Logged on to my Transunion account online. Tried to dispute a few accounts but when I got to the end to submit it, I got an error message that stated the accounts I was trying to dispute were not currently on my report. I 'm confused because if I am able to see the accounts and it gives me a dispute option then it must be on my credit report. Unless Transunion is not updating the correct information but its causing me to not be able to get a home. I need this to be fixed.

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 10-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am enrolled in Navient 's Rate Reduction Program. Every single month for over two years my payment has been allocated incorrectly between my XXXX loans. After the money is withdrawn by Navient from my checking account and incorrectly allocated, I begin getting phone calls and emails saying that I have missed a payment and must take action immediately. Every month I have to take time out of my work day to leave my office and call Navient to attempt to resolve the problem. Every month I get a different person on the phone who gives me a different explanation as to why my payment has been misallocated for THAT month. Every month I explain to them that this has been happening for over two years and every month I get a different explanation as to why it is happening. There typical response is, " Well I have figured out the problem and I have resolved it, so it will not happen anymore ''. I get this general statement every month. And every month, I have the same problem again. 

When I call, they do supposedly re-allocate the money to the correct loans while I am on the phone. I say supposedly because I literally have no way of cross checking what they have done. The only means to cross check would be my monthly statement, but every month my statement shows the payment misallocated. I have been paying these loans on the Rate Reduction Program for over two years and have never had an accurate statement!

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with EOS Holdings, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX, forward correspondence stating I owe XXXX {$120.00} ; which I'm a current XXXX customer. I ask for billing information, to speecify my charges and what and how I owe. Yet, keep get new correspondences with my previous addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUN LOAN COMPANY INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: on XXXX I mailed a certified dispute letter to Sun Loan., on XXXX the received the letter, XXXX they sent me a copy of the original loan agreement. On XXXX I pulled my credit again and realized they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the in dispute by consumer disclosure within the required 30-day period.

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 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2014  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: This is to inform you that I have contacted XXXX Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2015 about Debt collection (I do not know) with DCN Holdings Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On Monday XXXX XXXX, 2015, Agent XXXX called my office, scared my staff and ask my assistant to deliver his urgent message that I need to call him back at XXXX regarding a very serious issue. I called back and the operator could not reach him. On Tuesday, XXXX XXXX, 2015, he used a different phone XXXX to call me on my cell phone number which was neither given to the operator nor him. He demanded me to pay the debt owed by a person and business who I do n't even know. He claimed that the debtor and I are living in the same address, and threatened to file a complaint to the Board to ruin my professional license. Even though I explained to him that I have no business or relationship with the debtor. He rudely said that he knew who I am and threatened to take legal action, then he hang up.

Company response to consumer: Closed
Consumer complaint received 08/26/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (FL).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: Netspend ( XXXX XXXX XXXX XXXX XXXX ) sent me an UNSOLICITED prepaid debit card. Since I have had problems with someone attempting identity theft before this greatly concerned me. 

When I called the company they requested either the full card number or my social security number ( which I would NEVER give over the phone ). I was afraid to give them the full card number because I was afraid they would activate it. 

In very small print ( 5point or less ) they state that this was not requested by anyone but was sent because " you indicated interest in receiving offers similar to this one ''. 

Sending unsolicited credit cards is against the law. Apparently, since debit cards and prepaid debit cards were not available when the law was passed this allows companies to skirt the law. I believe this is unethical and irresponsible in the age of identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Student loan (Non-federal student loan) with PNC Bank N.A. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a recent XXXX from a XXXX at XXXX College, in XXXX XXXX, PA. Until last week, I was under deferment for my private education loans. I am now unemployed and struggling to make my loan payments. Of course, I am under IBR for my federal loans but my private educational loan lenders, XXXX XXXX and PNC, they are relentless. I am desperately seeking work and am unable to consolidate due to low credit ( due to my student loan debt ), and I do not have a cosigner, because my parents recently filed bankruptcy. I am running out of options and they will not give me any other options of repayment, deferment or forbearance. I have considered ending my life over the stressors, but my grandmother is the cosigner on my private loans and she would be forced with them. This, of course, is not to be dramatic, just trying to illustrate how hopeless the situation at hand is. I feel as though I need help. I need someone to help me through this situation. Please, anything, any information you can help me with is vital. Again, I 'd like to illustrate that I am not trying to take advantage of any kind of system. I 'm just desperately trying to better my life and my situation. Knowing what I know now, private loans were clearly not a good option for me at the time. It 's too late, though and I need help now..

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: Bank Of America, has engaged in deceptive and unfair practices in connection with my checking account. BOA, has excessively charged the account overdraft fees causing me hardship. The account overdraft fees are so excessive that i could not pay my creditors due to boa excessive overdraft fees imposed to the account. 

On XX/XX/2017, I was overdrawn by {$1.00} and escalated to {$410.00} in overdraft fess alone. 
If you carefully review the statement, you will find that boa never paid any of this items, instead continue to charge the account overdraft fees since XX/XX/2017, when initially was overdrawn {$1.00}. None of the charges have to do with a check i wrote to anyone, all fees are related to the excessive overcharge. Creditors have been trying to collect and morally i have these funds available, however because the account has been over charge with excessive fees, the funds available to pay my utilities would be comprised by the excessive fees where soon my light company will be terminating my services. 

Boa, has violated Federal Law prohibiting the excessive overcharge fess to the account. I did made the account to be overdrawn in bad faith, the record reveals, that the dispute started over been over drawn {$1.00}. The account was overcharged to the point that did not have enough to pay the {$170.00} and the over charge fees. 

I disputed with boa that was going to file complaint with the CFPB, after that conversation, it appears that they may have lower some of the fees. However the account continues to be excessive overcharged with fees. Boa has cause me hardship and bad standing with my utilities companies. Some of the crediors have suspected my account due to boa overdraft fees. I was subscripted to on line services where the cost monthly are lest than {$10.00} and not even that was able to pay because of boa. These are websites that i use to work and are not able to have access. This situation affecting my wages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/25/2016 about Debt collection (Credit card) with Arnold Scott Harris, P.C. (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A Harris Law XXXX called me on several occasions telling me I owe a credit debt. The phone calls have been coming for the past 3 months. Verified my address with me told me to have my ID ready when I 'm served with a subpoena to be sued. Have not sent any verification for me to dispute this debt. This has been going on for months. Would like the harassment to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: after applying for a short sale with Wells Fargo my client received the written short sale approval which I have attached. in compliance with the approval we found a buyer that met the requirements set forth in the letter. Subsequently I received an email from the negotiator that there had been changes to the XXXX guidelines and that the minimum net proceeds were increased. when I emailed that I had the XXXX she said she would have management review and approve the sale the way I submitted it. Later I received an email that the file was approved and I would receive the approval. that email is also part of the attachment. since then I have called numerous times and been told the file is still in review. This is outrageous and actionable. I need someone to open a case into the information Wells Fargo is providing to consumers based on their inability to pay and the outright lies being perpetrated on their borrowers

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Consumer Loan (Installment loan) with U.S. BANCORP (CA).
Issue: Problems when you are unable to pay

Complaint: My wife and I took out a loan over twenty years ago with the XXXX XXXX XXXX to help our son start his own business. Interest only was paid on this note for approximately 15 years during which time US Bank purchased XXXX XXXX and our note. Our son faced difficulty in the construction business plus XXXX of his young children developed XXXX health problems. I continued to pay this note and never missed a payment, even after a terrible down turn in the economy in 2008 which affected us greatly. I am a veteran XXXX years old and my wife is XXXX. It became impossible for us to make anymore payments living on our fixed income. The note was {$120000.00} - we paid {$1200.00} per month for 180 months ( totaling {$210000.00} ) plus {$50000.00} on the principal - so over the 20 years of making payments, we have paid back {$260000.00} on a {$120000.00} note. US Bank is trying to collect an additional {$75000.00} ; however, this is impossible for us. We have attempted to settle the debt for as much as {$7000.00} ; however, US Bank will not accept what little money we have left. I do not see how this is right considering the amount we have paid on this debt, in addition to our settlement offers in good faith to resolve the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got cable TV through XXXX, and about a month later I decided to move and I called XXXX to see about moving my service and they ask for the address I was moving to, they ran the new address and told me that they do not service that address. I told them that I had to move and I would just have to cancel my cable and internet. I paid for the time I had and used the service up until I moved. I sent the equipment back and I still received a bill for {$350.00}. I called XXXX and explained to them I had called and canceled the service and they tried to tell me that I did not cancel that it went two months past due then they disconnected the service due to non payment. This is not true nor accurate. And I do not owe them XXXX I called in to cancel this service and it should have been disconnected immediately because I was no longer even living at that address and the boxes were already packed up. You can even see from the Internet usage for the time they are trying to charge me for was XXXX because it was not even connected. I feel as if I am not responsible for this debt. I refuse to pay it, I pay all my bills on time but I 'm not going to pay for someone else 's mistake. Please help me resolve this issue because I tried to handle it on my own and got no where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/17/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I feel that I was a victim of discrimination. Around XXXX/XXXX/2014, I purchased a house and was financed by PennyMac ( XXXX. XXXX XXXX XXXX XXXX, CA XXXX ). My loan number is # XXXX. First reason why I feel I was discriminated, I feel because we are XXXX, PennyMac allowed its brokers to charge us higher fees for mortgage loans. Second reason is that I had clearly stated I was giving XXXX % of down payment to avoid paying a PMI ( Private Mortgage Insurance ) when I signed the closing documents, they had put XXXX % down payment. I called to tell I wanted to give XXXX % down and I was convinced by the broker to leave it at XXXX % telling me that my PMI would only be {$49.00} a month. I would like to ask if can start an investigation to see if other XXXX or XXXX customers were discriminated by PennyMac? This company should have recorded conversation when I called the agent to argue the amount of Down Payment. I think PennyMac only wanted to charge me the PMI of {$49.00} each month reason why they claimed they made the mistake of going with XXXX % down and convinced me to leave it like that. I am sure there is more victims like me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 

On XXXX XXXX, 2015 Funding Suit Mortgage reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Transunion to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Transunion with the opportunity to remove the item before it has harmed me any further. I contacted your offices in XXXX, PA and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. Thank you and Happy Holidays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I filed a complaint with the credit bureaus because of an account I felt was being reported inaccurately. I had a loan with XXXX XXXX. During the time of the loan I was also having some other medical and financial issues and filed for bankruptcy. During the time of the bankruptcy I asked that the loan not be included. The lawyers explained to me that the judge would include everything and then the bank and I could go back and re-affirm the loan. I continued to make payments on the loan. I met with the bank manager XXXX XXXX and he agreed that we would keep the loan active and re-affirm the loan. Unfamiliar with the process I was told I simply had to keep making the payments and the loan would be reported as up to date and paid. I completed the terms of the loan as agreed and paid off the full amount. The loan is now showing on my credit report as being written off in the bankruptcy. I contacted the bank and asked for them to correct the information in the report. A bank representative did send me a copy of the loan payments to give to the credit bureau and the information on how to dispute it. I submitted the documents along with the dispute to all the credit bureaus. Several weeks later I get a letter from them stating that they " verified '' the information to be accurate as written off in the bankruptcy and it would remain on my report as such. I disputed it a second time with the documents and they still did not change it. I am unsure how they can leave it as a negative on my report when I clearly gave them proof from the bank that it was a positive account that was re-affirmed and should be reported as such. I requested that they simply update the account with the correct payment history and take off the comment of included in bankruptcy because it was not.

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