milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am talking to a realtor today and a car dealer. I am up for a swap in my car lease and my partner and I are looking in XX/XX/XXXX to move to XXXX household together and commencing planning. 

My relator and car dealership agent show me that Discover Student loans loan XXXX and XXXX are hitting me credit score HEAVILY. All my loans are paid early and significantly more then minimals and months in advance and have been for over a year now. 

Yet they are documenting that payments sent in together loand XXXX cleared on XXXX/XXXX/2016 yet same day sent in payment XXXX is STILL today XXXX/XXXX/2016 not processed. They do not mail invoice, balance cant view these online, nothing this is the third month in 2016 I have battled them on this. They take payment over what the payment terms are agreed to. Yet then play these games and my dealershipo and realtor told me my credit is being hit with " In the meantime, I would work with Discover to correct the information that they have on your credit report. Because they are showing as " profit and loss '', which is a term that means " uncollectible '' to a lender and weighs down your credit score in a big way, this affects what you qualify fo '' I have gone to Discover over this REPEATIVELY on the processing payments on loan XXXX and XXXX. I have gone to them on why cant I see the balance on line or in a mail bill monthly or calling your number? Why is this listed hurting my credit but for a year and a half now I have paid MORE then the requested amount and months ahead on payments? 

This is blocking me from getting into a car or looking at moving in with my partner.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Wells Fargo Home M ortgage is reporting incorrectly as a foreclosure on my credit file with all  XXXX  of the major credit bureaus. The property was not foreclosed on it was an approved short sale that went thru to completion/ closing without any problems. I previously disputed the status of the account with the credit bureaus however the only change was to note that I disputed the account.

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 11/27/2017 about Student loan (Private student loan) with AES/PHEAA (MN).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: The student loan company wo n't remove the cosigner from this account. I have been trying to get her off my loan account for over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing accounts, on the summary page, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable.

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 03/30/2017 about Debt collection (Medical) with Medical Data Systems, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I contacted Medical Data Systems on XX/XX/XXXX to check the status of a medical debt placed with their agency. My insurance was retroactively paying the claim due to a mistake in billing so I was attempting to check the status of the claim. The original creditor is XXXX XXXX XXXX and the account in question is XXXX. When I spoke to the representative she informed me of another debt from the same original creditor. I explained I have no knowledge of this account and have not received any correspondence so I would need to speak with the hospital and that was not why I was calling. The Medical Data Systems Representative asked for my address and I gave it to her. I verbally communicated in this call that I have not received any communication regarding this account from XXXX or Medical Data Systems. She stated '' we mailed a letter in XX/XX/XXXX : to XXXX. I explained to her I have not lived there since XX/XX/XXXX. She then asked me for my current address which was given to her. On XX/XX/XXXX I received an alert there was a change to my credit report. I opened it to find this account was reported to the Credit Bureaus on XX/XX/XXXX. Medical Data Systems failed to provide written correspondence within 5 days of initial communication, along with notifying me of my right to dispute and what to do if I feel this is inaccurate and my right to receive a bill or proof this belongs to me. Medical Data Systems also violated my rights by knowingly reporting an account to the Credit Reporting Bureaus when they were informed I was not aware of this and I needed more information. I explained I was not going to pay a bill when I have no knowledge of these charges. The representative also stated I was informed of this debt last XX/XX/XXXX when I called to pay another bill. I told her no that is not true. I explained in XX/XX/XXXX I called to pay a {$110.00} dollar bill and was informed of another account with a balance of {$510.00} and that account was the one I was calling to check the status of because my insurance had payed it. She said no we told you. I explained that was not the case. I asked when was this account placed for collection because my XXXX account shows a XXXX balance. She stated it was sent to them in XX/XX/XXXX. I had just caught her in another lie. She also misrepresented the insurance status on the other account. I will be submitting a separate complaint for the other account since the representative also lied about this account as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Debt collection (Credit card) with Forster & Garbus LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Forster and Garbus uses deceptive and abusive business practices. Made Phone calls to my work. 
Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am attempting to pay off the debts I have that are negative marks on my credit. In looking at a medical bill collection I noticed that under XXXX my medical debt is listed under Syndicated Offices for XXXX $ but it 's listed on XXXX under Central Financial Control for the same XXXX XXXX I never received any collection notifications in the mail or by phone call from either of these collection agencies. How do I know that these companies are one in the same? Why are they listed as two different businesses? How do I know that offices in California have a right to collect for North Carolina? <P/>I did research and it said that they had to provide over XXXX $ XXXX to people in California. It just seems very odd to me and I want to make sure this debt is actually mine and not some type of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Payday loan) with National Management Recovery Corp. (NMRC) (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I retrained a payday loan from XXXX XXXX XXXX. I ended up losing my job and was unable to find work. I contacted XXXX XXXX XXXX and notified them of me not having a job. They told me they would notate the account and it will hold up for 30 days. After the 30 days I was still unable to find work. On XXXX/XXXX/16 I received a call from XXXX XXXX from XXXX XXXX XXXX or ( XXXX ) law firm on behalf of Receivable Management Services. XXXX XXXX was really rude he told me if I did not pay today that I will be served papers for Fraud & my debit will go on my credit. I contacted XXXX XXXX XXXX to ask them if I can get a payment plan and they directed me to Receivable Management Services and they so called transfered me to the legal department. I continued to ask XXXX XXXX if he was in the same office with RMS and he refused to answer the question. I then asked where he was located and he told me florida and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Medical) with ProCollect, Inc (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pro Collect collection claim has been removed from my XXXX credit report because the account could not be verified, so instead they claimed the debt under Other Loans and reported late payments for the alleged debt.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX XXXX XXXX and  Transunion but they refuse not to

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 04-07-2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Transaction issue

Complaint: Company wants taxes for a contract that did n't state that I had to pay taxes in order to give me my free flights. Citibank Office of President statess that it is " known '' that I had to pay taxes when it was unknown. Free flights means free flights. If it is free the taxes are XXXX. 
I also gave notice within 5 days as required per the XXXX government for these types of purchases and I am still saying that I can/t get a refund.

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 10-05-2015 about Credit card () with PNC Bank N.A. (MI).
Issue: APR or interest rate

Complaint: I made a late payment to a signature credit line account in XXXX 2015 XXXX my fault XXXX and XXXX 2015 ( due to an error by a branch employee ). I have held the account for 10 years at an interest rate of approximately 9 %. In XXXX of 2015 the bank increase the APR to the penalty rate of 24.99 %. I called to get an explanation and they told me that my contract gives them the right to increase my payment after XXXX late payment. Per XXXX XXXX XXXX ( a ), " no creditor may increase any annual percentage rate ... except as permitted under subsection XXXX b ) '' parts XXXX of section XXXX b ) do not apply to my circumstances but XXXX XXXX ) allows for such an increase " due solely to the fact that a minimum payment by the obligor has not been received by the creditor within 60 days after the due date for such payment, provided that the creditor shall '' provide notice not later than 45 days prior to the increase stating the reason for the increase. I spoke to the bank but they asserted that their contract with me permits them to apply such an increase upon the happening of XXXX ate payment. I asked for a copy of my contract which they only agreed to send by paper mail. The bank only offered to " escalate '' the matter for me and stated that they could not put me in contact with a person who could provide answers on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Payday loan () with Big Picture Loans, LLC (AZ).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed a loan {$600.00} with the understanding i will pay it back the XXXX with XXXX interest, till today I have paid back {$1300.00} in interest alone and i can not go further with the payments. No 1 reason i have lost my job and can not continue with the loan balance of {$450.00}. No 2 is that after reviewing the terms of the loan it was not clearly explained to me I will be paying almost triple of what I originally borrowed. I need help on how to end this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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: submitted a complaint. The credit bureau said they verified the information but have yet to provide me with the verification. Once again the information that is showing on my credit report is incorrect. It appears that the company knows the credit bureaus are not verifying the information as they are supposed to so they just change the information around because the credit card do not properly verify. I have asked for whatever they are using to verify but was told they do n't have anything.   XXXX   has removed this because they were n't able to verify any information. There is a copy of my  1st com plaint listed below.               whom it  may  concern, I mailed several letters of dispute last one being certified on  XXXX   XXXX   XXXX  in regards how    XXXX   XXXX   is  reported on my credit report. Once again within a few days it comes back as verified.  XXXX  is reportinb me to be anywhere fro m 30 to 90 says late and being over 100,000 b ehind. They only purchased my mortgage in  XXXX  from another servicer. In  XXXX  I obtained a government modification which at that time my acct was at a  XXXX  past due and my new payment became  XXXX  a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it   states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violatio n of 1681 ( a ) ( 4 ). Under  section  611 ( 5 ) ( A )  of the FCRA states the CBA is required to promptly DELETE all information which can not be verified.

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 10/20/2015 about Debt collection (I do not know) with Oracle Financial Group LLC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: A supposed XXXX XXXX called my employer stating he was from Oracle XXXX, left his number for me to call back, I work XXXX shift, my employer then calls me at home to give me the message. His callback number is XXXX, I work for an XXXX XXXX XXXX, I have no clue what this is regarding, when I called back he would n't give me any information other than this is a debt and he is sending the police to arrest me at my work if I do n't pay him {$1500.00} right now. I told him to NEVER call my work again and hung up, he immediately called my work again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient has changed my life in a drastic negative way. I am XXXX years old now. XXXX. I have been on XXXX since XXXX. Navient has continued to harass my mother XXXX and I at least XXXX times a day. They said that I currently owed XXXX in private student loans that I cosigned on for my education. I explained to them that I am on XXXX and I can not afford to pay anything. I also stated that I applied for XXXX Forgiveness for my Federal loans and asked if they could assist me in applying for a program like such for my private loans. I quote that the lady responded to me by saying, " I have never her of such a program and if there is one it would be a true act of XXXX if you get approved, we want our money. '' She also said I do n't care what you have, we will just keep coming after your mother and take all that she has because she is primary. '' Then she proceeded in laughing at me and hanging up the phone on me. I just screamed at the top of my lungs when I got off the phone with her and cried like a baby. There has also been a man calling everyday around the clock saying he is my personal account manager. He leaves nasty messages on my phone as well. I feel like my whole world is ending right in front of my eyes. When my mother took out the loans in XXXX I was XXXX of XXXX XXXX. She had no clue that this would happen to me or we would 've came up with a different route like training classes. XXXX I will be on XXXX for the rest of my life. My mother filed a complaint and was told that there is a forgiveness program out there for this circumstance. I do not believe my mother should be held accountable for this. I read on the Navient page that the only way my mother can get out of this is if XXXX. XXXX I have gone downhill beyond measure. I got married on XXXX/XXXX/XXXX and my mother could not afford to give me a big wedding so we got married in her living room. XXXX days before our wedding day Navient called me and let me know that they wanted {$700.00} a month or else they were going to start wage garnishments. My marriage has not been enjoyable at all. I thought I was finally going to be happy. XXXX I have had to change my XXXX over and over because of my XXXX. I was told by my XXXX to go back to school because I needed something to help my mind get back on track. That I what I did. I obtained my degree XXXX. XXXX I am receiving the proper help. These last XXXX months have been so hard because I feel like everything that I have worked so hard to build within myself is being taken away and broken down. My mother has another daughter a year older than me on XXXX with XXXX. Our family is struggling and we can not afford this. I promise I did not know this was going to happen. I need the forgiveness program on behalf of my mother and I. I need help or I 'm not going to survive. Please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I hired an attorney because the billing was not correct and the bank changed the interest rate without my authorization. Once my attorney contacted the bank the debt collectors started sending robo-calls to my wireless telephone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: First National Collection Bureau, is attempting to collect on a bill that is 10 years old. I complained to XXXX last year about they could not try to collect on a debt over 7 years old and they agreed and they said they would not attempt to collect on it anymore. Now i receive a collection letter from First National Collection Bureau, trying to collect for XXXX and they know they ca n't make a consumer pay after 7 years but they are still trying to collect anyway. I have a letter from XXXX stating they will no longer collect because its past the 7 years, and they said their is a statue of limitations. If the consumer is suppose to follow the status of limitations rule, then show should collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation