milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I was sent a letter from ECMC Group where I was given the option to " request a hearing in front of a judge '', on supposed student loan debt of over {$70000.00}, or they would proceed to have what little monthly income I make garnished. Note that my original loan amount in XXXX was only for {$18000.00} and I had paid a lot of that back. I have been barely working part time over the last several years and even had a recent bankruptcy to save our meager home from being foreclosed. How is it possible that " maybe $ XXXX {$10000.00} '' has become over {$70000.00}! There 's no way I 'll ever be able to pay this. I 'm at the point where I 've even considered XXXX. I have applied for many, many, jobs over the last several years and the prospective employers ca n't confirm my XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA, where I graduated in XXXX. XXXX went out of business shortly after I attended. It 's like they never even existed! I think the perspective employers think I lying about going to school? The diploma is 100 % invalid. I 'm hoping to have the student load debt discharged. {$70000.00}? 
I was given a form from ECMC Group to fill out for a hearing in front of a judge. I had the option of emailing it back to them ( ECMC ), which I did promptly. I never heard anything back. Well, the only company that I get some work from notified me that my wages were being partially garnished by ECMC Group 2 1/2 months ago. WHAT HAPPENED TO MY REQUEST TO A HEARING? They defaulted on my hearing. 
Now, of coarse I 'm not working at all. The one company I had to put at least a little food on the table has n't called me in over a month. 
I have proof I emailed the request back to them. It did n't " bounce back ''. They got it and ignored it on purpose. 
They broke the rules and I think that alone should clear me of owing any more on this ridiculous fraudulent insanely overstated loan. Needless to say I 'm also unable to confirm I ever went to school. 
Note that in the form it has the option listed that I can email the form to them. 

See attached proof I sent the email. 

Thank you for your time in this matter, 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 monetary relief
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with Van Ru Credit Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Van Ru Credit Corporation engages in robo calls to my land line every day between XXXX and XXXX. Caller says they are collecting a debt and to call immediately. The calls disturb my XXXX parent. No one in my household has any debt whatsoever. This company is attempting to obtain personal information through fraudulent means.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX / midland credit management is reporting as a collection item. I have no idea what this is for. I do not owe midland or XXXX anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2016, I pulled my credit report from XXXX XXXX. I noticed that Equifax had deleted the XXXX credit card from my credit report. I have attached a copy of that documentation. In pulling my credit report today ( XX/XX/2016 ), you will see that Equifax has reinserted this credit card. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts below are not mines and I have disputed this before. I have also provided a FTC fraud report in the past.
XXXX XXXX XXXX XXXX Revolving NegativeXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Revolving NegativeXX/XX/XXXX These XXXX accounts are the same and should not be posted twice to my report.
XXXX XXXX XXXX  XXXX XXXX - - Installment NegativeXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - - Installment NegativeXX/XX/XXXX This account below is more than 10 years old. XXXX XXXX XXXX XXXX XXXX XXXX - - Installment Negative 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 non-monetary relief
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Problem with fraud alerts or security freezes

Complaint: My daughter-in-law attempted to place a security freeze on my Experian credit bureau report on my behalf on XX/XX/2018. She  supplied them with the correct information, yet they sent a message stating they would not place the security freeze on the bureau unless I sent them a letter in the mail. Plus, they are requiring two pieces of identifying information : a utility bill and a state id. 

These items are going to be difficult for me to provide, because I am currently under XXXX care for end stage XXXX XXXX. I recently lost my wallet, which would have had my state id in it and possibly my social security card. My daughter-in-law provided all the correct information, and it doesn't make any sense that the request was denied. Finally, Experian ran the charge through her credit card twice, a total of {$10.00} ( {$5.00} each time it was run ). So to charge the card and then deny the request doesn't make sense either. 

Finally, XXXX had no problem placing the freeze. Same for XXXX. In addition, XXXX didn't charge for the freeze, which leads me to believe my personal information must have been compromised during their security breach. If this is accurate, I would be an identity theft victim, and Experian and XXXX should not be charging the {$5.00} to place a freeze on my credit bureau ( s ).

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 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I applied for the XXXX program, which is a discount program on certain traffic tickets that qualify. This program is offered by the collection agency GC Services. GC Services has been extremely deceptive the entire time I have been in communication with them. Multiple of the representatives I have spoken to told me I had a warrant out for my arrest from XXXX XXXX traffic court. I checked with the criminal and traffic divisions of the XXXX Courts, they advised me I NEVER had a warrant. I told GC Services what the courts told me, and at that point I was advised by XXXX XXXX it would take up to 21 business days for them to receive the information they needed from the courts showing I had no warrant in order to receive the discount. I called and checked the status once a week while waiting the 21 business days, just in case they received the information sooner. As the 21 days was coming to an end and GC Services still did n't have any information, I asked what would happen if they did n't receive the information they needed within the 21 days they initially said it would take. GC Services advised me that I would " just have to wait until they get the information and now there 's no definite timeline ''. I tried asking if I could contact the courts to get the information they were looking for, XXXX XXXX 's response was " that department does not communicate with anybody outside of the courts and GC Services ''. So at this point, not only have they lied, refused to let me listen to prior phone conversations between myself and GC Services ( to clear up other lies they 've told ), and refused to review the documents XXXX XXXX Courts gave me stating I have no warrants, they still have not received the documents they need in order for me to receive the discount that I definitely qualify for. Their 21 business day timeframe has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I visited XXXX to obtain a copy of one credit report. After providing my personal information three times for each of the agencies, I was denied access to my report by all three : XXXX - " We are not able to deliver your free XXXX credit report online '' Transunion - " We are not able to provide you with your online Personal Credit Report since it contains an open dispute currently under investigation. '' XXXX - " A condition exists that prevents XXXX from being able to accept your request at this time ''

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 06/28/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I opened an account with XXXX in 2005, The card was paid in full and closed. I owed no money in the credit card before I closed it yet MIDLAND FUNDING LLC has this account in collection with the full credit amount / total that was paid off. MIDLAND FUNDING is egregiously Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices by reporting on my credit report an account that was fully paid for before closing.The same account that is being reflected by the original creditor ( XXXX ) on my credit report as paid in full and balance as XXXX, Mid land funding a collection agency is reporting as i own a balance of XXXX. The credit limit on that account was XXXX and was paid off even before exceeding the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (I do not know) with Allied Interstate LLC (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get called at least twice a day, every day, Monday through Friday. When I ask what this is in reference to They keep saying " is this XXXX '' and do not answer my question.

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 02-09-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MS).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have been trying to fix my credit report and in XX/XX/XXXX, I had sent XXXX XXXX a forgiveness letter for a late fee that I obtained back in XX/XX/XXXX. XXXX never responded to these letters & in XX/XX/XXXX my account was closed. I was not late on any recent payments and had a low balance & was still using my card appropriately. There was no reason to have closed my account. I called & spoke with customer service in the credit department and no one could tell me why my account was closed. The manager did not want to get on the phone with me and the sweet lady tried to figure out what the issue was and after over an hour of being on the phone & reading through the notes, she simply said. I have no idea why they closed your account unless XXXX got confused on the year you were explaining why you were late. She apologized several times and gave me XXXX 's phone number and told me I could get more specific answers from them but my account couldn't be reopened but I could apply again for another account. I DO NOT WANT TO APPLY FOR ANOTHER ACCOUNT!!! I never asked for my account to be closed and wasn't given any reason for it to be closed. I wasn't disputing any late fees in XX/XX/XXXX. My credit score was pulled down 10 points for them closing out a good credit card. I am requesting they reopen my account or they can delete it from my credit report altogether. This is not a way to do good business with your customers and I had been a loyal customer since 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 non-monetary relief
Consumer complaint received 06-01-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I make my payment on the last day of each month. When this date occurs on a weekend, Nationstar 's website shows " for the selected loan online payments are not allowed. Online payments cost {$9.00} to make my payment, but to call on the phone to make my payment they charge me {$19.00}. I feel this is discriminatory. This forces me to pay a higher fee to make my payment before the end of the month. To avoid becoming further behind ... or chance referral to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Mortgage debt) with EQUITY RESOURCES, INCORPORATED (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I live in XXXX, Florida and in early XXXX XXXX, we were hit by hurricane XXXX. The area in which I live was declared a FEMA disaster area. I was advised that I could call my mortgage company XXXX Equity Resources , Inc XXXX and that I could have 90 days worth of payments deferred. I called equity resources and they confirmed that this was the case and that I would not receive collection calls and that before my next payment was due on XXXX/XXXX/XXXX that I would get a call from someone to check in and see if I needed an extension. 

I then received a letter in the mail stating I was in a forbearance period and it sounded as though I was going to have to pay the last 3 months of payments when the forbearance period ended. I called equity resources and was advised I was previously given the wrong information and that my payments were not being deferred. I was advised a guy named XXXX was handling my case and would need to call me back because he was not in the office. He advised me that I was in forbearance and my payments had not been deferred and that I could complete the paperwork I had received via email to see if I qualified for deferment or I could wait to be contacted before the 90 day period was up to further discuss. 

At XXXX roughly on XXXX XXXX, XXXX, I received a collection call, the collector never read the mini-Miranda and was wanting to know what I could pay. I advised her that I had been advised my loan would be deferred and that I would make my XXXX/XXXX/XXXX payment as planned. The call was made to my cell phone via an auto dialer. 

On XXXX XXXX, XXXX, I received a call where the person was checking into see if my forbearance period needed to be extended, I also told her I was under the impression my payments were deferred and that I would be making a payment on XXXX/XXXX/XXXX. She said she would submit the request for deferral and that I would hear back from someone in mid XXXX. Later that day I received another collection call from an auto dialer to my cell phone. I advised them of the conversation earlier in the day and they apologized and we ended the call. 

I also received auto-dialer collection calls on XXXX and XXXX where I once again advised the people of the situation and asked them to stop calling. On XXXX, I spoke with XXXX XXXX XXXX supervisor ) who said my account was never put in the right status and that I would no longer receive calls. She said on the call that the notes indicated that I had told each collector this each time they called. 

On XXXX/XXXX/XXXX, I received another auto dialer call to my cell phone from the same number ( XXXX ). This time, like every other time, when I answered the phone rang back to someone, this time, no one responded and after a few seconds the call was disconnected without the caller saying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Consumer Loan (Installment loan) with PNC Bank N.A. (KY).
Issue: Taking out the loan or lease

Complaint: We applied for and received and unsecured loan of {$8500.00} from PNC Bank. When we closed on the loan, the APR and Finance charges showed 0.001 % and {$0.00} ; respectively. Days later, I get a call from the bank asking me to return to sign new disclosures as the APR and Finance charges were incorrectly stated and they admittedly stated this was their error. PNC stated the rate would increase to 9.9 %. I politely refused and told PNC to stand behind and honor the original APR and finance charges listed in the disclosure. I even pointed out some of the regulations outlined in TILA. I ended up speaking with the branch manager ( XXXX XXXX XXXX who told me that I would most certainly face legal sanctions if I did n't come in to sign a new disclosure, once they had corrected their mistakes. They also suggested that I immediately repay the loan and reapply for another loan. I still refused and told them I would agree to the terms outlined in original the disclosures and loan paperwork ; as such, promising to repay the loan at the agreed ( in writing ) rate. The branch manager then attempted to guilt me by staying the employee who closed the loan would be disciplined and said it was, " collateral damage ... I guess ... ). Now comes, this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This loan started out as a {$3100.00} private student loan : XXXX Lender : NAVIENT PRIVATE LOAN TRUST ( XXXX originally ) Disbursement Date : XX/XX/XXXX Original Principal : {$3100.00} I have been paying interest only on this loan since XXXX ; however, the loan has ballooned up to {$5100.00} with an interest rate of 6 %. The interest only payment ends XX/XX/XXXX, wherein the payment will increase significantly. My complaint is that this loan balance should not have doubled since I have being making interest payments for almost four years. This student is being scammed by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ad Astra has consistently sent documents to my address stating that I owe a debt to them and have not been able to validate the debt. Ad Astra Recovery is also not licensed or bonded by the state of Texas to collect on any type of debt as stated on the XXXX website. Ad Astra needs to send information regarding being bonded by the state of Texas. Until then, they can stop with the sending of contracts and contacting me stating that I owe a debt. This information needs to be removed from all 3 reporting bureaus if it is n't provided.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a mortgage on my home at XXXX XXXX XXXX XXXX XXXX CA. In XXXX, XXXX, it was sold to XXXX XXXX. 57 times in a row, I sent payment on time or early. Since then, I have repeatedly asked the company for monthly statements but got none. I also asked for a welcome packet but got none. I received no written correspondence EVER from this company ... until XXXX, XXXX when I received a letter indicating my payment had not been received. I checked and got proof I sent it early as I always had. XXXX XXXX says they changed the box number where I 'm supposed to send the check and since I 'm late they reported it to the credit agencies. My credit score - a vital part of my business as a real estate investor with four other mortgages all of which are far greater than this one - dropped 140 points. XXXX XXXX says it had to tell the " truth '' but wo n't admit they never sent the letters. In fact, today, one month  after the letter indicating I was late, the bank has still not produced copies of the letters it alleged were sent. The credit agencies say that if XXXX XXXX wo n't admit it made an error, I 'm stuck with their decision to damage my credit I have proof my payment was sent on time. They do not care. They have no proof they sent any letter much less 4 and the idea that I would ignore 4 letters but respond within 20 minutes of getting one indicating payment is plain nutty. All communication with XXXX XXXX returns to same : they sent 4 letters and as such I 'm late and too bad. There has been no action taken by the bank to ensure smoother communication. They have n't sent a statement nor copies of the letter. XXXX in executive office promised action in 5 days. That was three weeks ago. It does not seem fair that this bank gets to damage my credit and that there is no way to appeal this foolish, short sighted decision as it will now cost XXXX XXXX thousands of dollars in interest when I transfer this mortgage to another company as I can not take the chance that this bank do same again as it will send no material in mail. All the communication regarding their phantom letters has been on the phone!

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 09-03-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: i got the protection insurance on this account and the amount on my card was less then {$100.00} they keep charging me and never refund my money back and insurance protection never worked

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation