milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Medical Data Systems has continously placed collections accounts on my credit report between the XX/XX/XXXX and XX/XX/XXXX.  On several different occassions I have disputed the charges because of errors in billing by XXXX XXXX and the accounts being sent to collections before the federally regualted 120 days. On several occassions the results ofnthe disputes have requried that Medical Data Systems remove the collections accounts. The accounts are then removed but after few months the accounts are added but the origianl creditor has been changed from XXXX XXXX to XXXX XXXX. I have contactd XXXX XXXX and they have confirmed that no balance is due at this time. In addition to the disputes, several of the accounts have been paid in full to the original creditor and the legal owner of the collection accounts which is XXXX XXXX XXXX. For example one of those accounts is a medical bill with a balance of {$67.00}. This account balance was paid to XXXX XXXX via personal check and proof of verification was provided to Medical Data Systems but they still refused to remove the account as requested by XXXX. After speaking with XXXX on several occassions they stated that they were still the legal owner of the account and that the acocunt was sent to Medical Data Systems for collection purposes only. I then  contacted Medical Data Sytesm and requested that provide me documentation whichs states that they are allowed to post information on the three major consumer reports on behalf of XXXX and they refused to provide me any documentaion They then stated that no document existed and that they were contracted by XXXX to collect debts. 

I then inquired about validaiton of the debt and Medical Data Systems mailed me copies of my hopsitla bills with all my patient information including services provided by my medical provider. Under HIPPA Act of 1996 Regulations, XXXX XXXX was provided authorization and.or permission to have access to my perosnal medical information. Without my personal medical information Medial Data Systems would not be able to legally collect any balanced owed. They would also not be able to provide the needed information to get the debt paid.

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 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: i am really concerned i went to college for XXXX semesters on the XXXX semester i was informed by the school my loans didnt come through so i would have to pay out of pocket so i quit. 2 years later XXXX contacts me and tells me i owe them money which i knew but also said i owed for the XXXX semester when i asked for what they send they sent a check to me now i did not receive that check and i went to the school to ask and they said that it was sent to a XXXX party hence they could not give me the name i had to contact XXXX i did and they said it went to the school. well for the last 8 years they XXXX have taken my taxes in the amounts of XXXX. XXXX, and etc now my loans were for all together XXXX it is now XXXX i had gotton a letter from navent which is i guess sallie mae and they said i still owe XXXX when i went on the website it sais i missed a XXXX payments they have never sent me a thing on how much a monthly payment would be. i took action with the department of education in XXXX to help rehabilitate my loans and get this scquared away so that they dont take my taxes in XXXX that is what i was told if i paid this act company they wouldnt take my taxes and the new company would send me a booklet of payments i have not received anything but this letter today. i have been on hold for 2 hours and 8 minutes i finally got to someone who send they couldnt help me and directed me to someone else that could help it is now XXXX oclock and ive been on hold from them since XXXX and now they have hung up i called back to only receive another recording saying it will take another 30 min. all i want to know is what is going on with my account and why they have no record of the irs taking my money and sending it to them i have documents saying it was paid. now on nevents site it sais i owed XXXX in XXXX but i never got anything saying this was the company i was supposed to send money too. i have talked to numerous people about this company and everyone has said the same thing customer service workers there will not answer your questions and some people have paid money to this company to find out when they check their status that it was not put into their account. so where is all my money going to if its not being paid i just want to pay my debt but every place that has asked for money for XXXX and i pay it has not went to XXXX its always XXXX parties they are scamming us and it needs to stop. so please i need them XXXX or navent or someone to call me this is very frustrating not to mention they want to garnish wages but yet i dont know if this money is actually goimg to XXXX because i stilll owe all this money in which i didnt even get to finish college for

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XXXX XXXX XXXX signed up for health Canceled XXXX/XXXX/XXXX Company called left voicemail saying I could cancel. 
Then I got a notice for a filing for a judgment in court. Company never sent a letter never mailed a notice. 
They also got a default judgment as I could not be there due to a car accident. 
I asked them over and over from the signing of the contract for a copy of the contract and they denied my right to a contract. I finally this year XXXX got a copy which states I can cancel anytime. 
There was no notification of owing any debt. My rights to information and the right to have 30 days to dispute the debt or the validation of the debt were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We 're requesting your assistance in resolving a matter of a mortgage account surrendered under Chapter XXXX Bankruptcy in XX/XX/XXXX and currently reported incorrectly as open to the credit bureaus by XXXX as an active account, paid late. At the time of the bankruptcy filing ( XX/XX/XXXX ) the account was under XXXX who was appropriately notified of the bankruptcy numerous times. In XX/XX/XXXX XXXX apparently transferred the account to XXXX and it remains unclear why Nationstar is not aware of the bankruptcy filing. 

We have attached the following documents in reference to this complaint : Nationstar Account Statement Bankruptcy Discharge Doc ( XX/XX/XXXX ) Bankruptcy XXXX ( Creditor # XXXX ) Letter from lawyer sent to XXXX ( XX/XX/XXXX ) advising that XXXX was surrendered in the bankruptcy XXXX credit report pages ( XXXX , Nationstar Mortgage ) We have tried calling Nationstar but have not been successful in reaching someone able to assist. As this is an urgent matter affecting our credit score, time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a dispute for a tax lien that is being reported on my Equifax report. The lien was released by the IRS on XX/XX/XXXX. Equifax has been reporting this information since XXXX. I have sent them proof it was paid in full on XX/XX/XXXX. This information should have been removed from my report after XXXX. I keep disputing the information but yet the refuse to removed it as stated in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I purchased hair care products from XXXX XXXX which totaled {$140.00}. The products were paid in full in three payments through my bank, XXXX. The payment sought now is {$54.00}. I have proof of all payment made. This company continues to hassass me. They have reported me to collection agencies. Documentation was sent via fax to the first collection agency, which was North Shore. Another agency sent a letter. The agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been enrolled in the Public Service Loan Forgiveness program serviced by XXXX. I finished veterinary school in XX/XX/XXXX, and started making payments six months later. During that time period, I was working in a PSLF eligible position with the USDA. I made my payments on time, every month. I changed to a new PSLF eligible position for the University XXXX XXXX with only a one week period of time in between jobs ( equivalent to my accumulated vacation days ). I have recertified at the end of my XXXX employment ( XX/XX/XXXX ), and eligibility is confirmed. However, XXXX 's system only recognizes 5 of those payments. I have been attempting to get this adjusted by calling XXXX. I call XXXX once or twice a month to work on this issue. It has now been over a year, and XXXX operators still tell me that " it will be fixed, I can see someone working on it now. '' I have certified my employment at the University XXXX XXXX in XX/XX/XXXX, I have recertified in XX/XX/XXXX. XXXX has not updated my eligible payments. When I attempt to address this issue with XXXX phone operators, they seem confused and do not understand why the problem is not being worked on. I bring this issue up when I call XXXX once or twice a month. I make my payments on time and in the full amount that is due. I do this every month. 
The money that XXXX tells me is due each month seems incorrect. I want to be paying the correct amount. The XXXX operators have been unable to advise me on what amount I should be paying. I have asked if I should pay what I think I owe, and the operators have given me mixed opinions only. There does n't seem to be a policy to address this issue. Currently, they request that I make a payment of under {$6.00} per month. I make around XXXX annually, and the payoff amount on my XXXX account is over XXXX. I am not an accountant, but this seems very obviously incorrect. 
When I look at my individual loans in my XXXX account, my loans show that my last payment was in XX/XX/XXXX, but I have paid the total due, on time, each and every month. 
I have tried calling XXXX three times in the past 4 days. I am not able to get through to an operator anymore. I get a recording that asks me to call back later. I have emailed XXXX last week recapping this problem. I have not received an acknowledgment that anyone has received my e-mail. In the past two months, I have spent more than two hours per week on average trying to understand what I can do to fix these problems. In every instance, I have not been able to talk to anyone who can resolve these issues. 
Additionally, XXXX has LOST all information on any payments I have made prior to XX/XX/XXXX, and I think this may be part of the problem. Multiple phone operators have told me they can not find any payments before that date. I started paying into XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Settlement process and costs

Complaint: We had a water damage claim in our house. We were issued a water damage loss check from XXXX our Insurance company. The check was supposed to be endorsed by the mortgage company only. The first time I called they insisted due to the large check amount that we had to get a certified contractor to complete all of our house work. The people had already been working in our house for about 1 week and half and they did not have a contractor license. I explained this to person I spoke to the first time and they stated that I just had to write a letter of consent stating that i take full responsibility for the repairs. I faxed the papers in and they had not approved or sent any of my faxes through for a whole week and then when i called back they stated that I had to still fax the contractor license before they would send the check back endorsed. I have been going back and forth with several different personnel for almost a week and half. I last spoke with XXXX XXXX XXXX and she stated that she needed to request someone from the mortgage company to take a look and then he will send a report back to XXXX and then they will only send half of the amount of the check back to us. I called again today on the XXXX and the request had still not even been put through for the representative to come through. The workers are going to be done with the house work on Saturday on XXXX XXXX, 2016, and I still do n't have the means to pay them because of the mortgage company lack of communication and the incompetence of the company itself. I am thoroughly unimpressed, disgusted and disappointed that I 've had to go through so many hoops just to get a check endorsed for a project in my house. The customer service was non existent and was made to placed on hold for XXXX min each call and was hung up on XXXX different occasions.

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 10/28/2015 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: Other fee

Complaint: Wells Fargo XXXX credit card approved me a promotional offer of no interest if paid in full within 18 months. Half-way through the terms I noticed the company was not charging me equal payments but slightly lower payments to ensure that I would be required to pay the full interest amount at the end of the term. After noticing this, I put down several large payments to remove the balance. The balance was paid on time before the end of the promotional period but I was still charged the {$4000.00} in interest. During a phone call to the company, the representative stated that my last payment ( {$370.00} ) was partially applied to another purchase ( amount of {$290.00}, to a balance of {$850.00} ) instead of paying off the remaining balance of the 18-month promotion ( {$230.00} ). The representative said that the terms I signed up for did not state equal payments nor were they required to expend the minimal payment amount to the oldest promotional balance first. This is a predatory tactic aimed to trap the consumer. Please resolve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: have a few hard Inquires on my credit report, that I don, t know about. 
XXXX 2 time, XXXX 2 times, XXXX. 

dont know if someone is using my info to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have old addresses that needs to be removed that doesnt correspond to my current address and I've attempted to reach out to the three burues to have these removed and no luck

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Reference Complaint ID XXXX. Lender started calling again from a local phone number ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX ( Arizona time ). Gateway One Lending and Finance called me again on XX/XX/XXXX. The representative 's name was XXXX and they wanted to discuss payment for an XXXX. I have already informed this company back on XX/XX/XXXX and XX/XX/XXXX that I was n't the XXXX XXXX they were looking for. They apologized and said that the person doing the investigations was new and in training. They said they would n't call me anymore. Well, it 's 3 months later and they 've started calling me again. I told XXXX, it was n't me and he asked me, did n't you just say your name was XXXX XXXX? '' I said it was but I 'm not the XXXX XXXX from XXXX, CA who bought an XXXX. I told him I 've already gone round and round with their staff back in XX/XX/XXXX. I asked for a letter resolving this issue and I never received anything. I requested to speak with a supervisor. Will put me on hold and then came back and said his supervisor was n't available at the moment. I asked for that supervisor to contact me to have this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/XXXX, I discovered that there were fraudulent credit inquiries on my report at Equifax corporation, lingering from a MAJOR identity theft incident XX/XX/2014. After a long search, I was able to get a telephone number ( ( XXXX XXXX XXXX ) at which I could speak to a Live Equifax customer representative. I called them XX/XX/XXXX, and the representative had told me to fax a copy of the police report, along with a statement and the last XXXX digits of my social security number, and request the dates of the fraudulent inquiries to be removed. I faxed them initially with this information around XXXX XXXX, and was told to call back in 72 hours to inquire if it was posted. I did so, and there was no record of my faxing the documents. I decided to fax them again, but I also called a second time around the time of XXXX XXXX. The XXXX representative told me I needed to provide my FULL social security number in the statement, along with a photo ID and a copy of the original police report. I faxed again from my house fax, this time I got a confirmation. In the days that followed, I got a letter stating that I needed to provide PROOF of my social security number also. This is a ridiculous and unfair way to treat a victim of identity theft. I am filing this complaint against Equifax so that the CFPB can instruct the superiors at Equifax to train the representatives in giving CORRECT information the FIRST time. Please inform Equifax to send a FINAL list of information necessary for me to send them so that this matter can be cleared up permanently. This has now taken countless hours of my time to resolve. The other XXXX reporting agencies were nowhere near as difficult to deal with as Equifax is. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing this complaint due to TransUnion not responding to have credit inquiries removed due to them not being authorized. I did not authorize numerous inquiries that are showing on my credit report and I have disputed them 4 time and I get the same response days later. Which further tells me that they have not verified these inquiries and keep sending me a generic response. I have just submitted another dispute and if this XXXX  Complaint does not work, I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone credit is for a firm offer of credit, insurance, employment or court order. 
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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