milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Listed on my credit report is a XXXX account which all XXXX credit companies claims was updated and verified on XX/XX/2017 I called XXXX and they stated that there is no account listed under my social security number. name and or date of birth which means they are fraudulently reporting incorrect information on my credit report, I am requesting a removal with in 15 days.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.

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 02/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has been the worst company I have ever dealt with. Since graduating college in XX/XX/2009, I have been laid off twice and graduated in the worst possible job climate. With no other choices I had to put deferments and forbearances on all of my loans until that option ran out. At this point in time according to Navient, I have officially run out of options. The harassment of phone calls has been unbearable. My mom and I are both unemployed right now, fighting to stay afloat and they offer me no concrete solutions. I even did a joint phone call with my mom last month telling them that we have nothing to our name. They do n't care. I owe {$3300.00} in past due amounts and I 'm drowning. When I did have a job I was able to pay everything on time. For example, last year alone I paid roughly {$12000.00} back to them. What really set me over the edge was my last phone call with Navient. The representative said that I needed to pay {$900.00} to Navient or else they would report the delinquencies to the credit bureau. They do n't understand that I have NO MONEY. I am unemployed and barely surviving with my unemployment benefits. I borrowed the {$900.00} from a friend so that they would n't report my late payments. After paying them, I received an alert on Friday saying that they had reported late payments to the credit bureau and my credit score dropped XXXX points. I 've diligently worked over 5 years to get my credit score to where it is and Navient has not only lied to my face but has damaged the one thing I 've been so proud of. I feel like I have been robbed. I struggle severely with XXXX and XXXX and this company truly pushes me over the edge. I have no where else to turn. I feel so defeated from Navient. I will gladly return my diploma from college if it will stop the harassment and help ease my state of mind. Why wo n't a company help their patrons calling in begging for a solution???!!! Navient has failed me and my family and I would never wish this pain and suffering to even my worst enemy. Please, can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (DE).
Issue: Deposits and withdrawals

Complaint: Online, opened new Santander Bank account with {$30.00} ( bank required {$25.00} minimum ). XXXX XXXX 2014. Later Santander statements issued to me showed {$30.00} balance. Still later, Santander variously reported to me by phone and mail the following : ( a ) account was opened with {$30.00} but signature cards were not received ; ( b ) account was opened with my promise to deposit {$30.00} but funds never received by Santander : ( c ) {$30.00} in funds were received by Santander but transferred by Santander to another Santander account ( s ) ; ( d ) Santander account numbers showing on Santander statements are invalid ; ( e ) funds received by Santander but transferred by Santander to a Santander debit card and later spent from that debit card ; ( f ) funds received by Santander but transferred by Santander to a Santander debit card and still reside as a credit on that debit card 's balance, but debit card number can not be identified ; ( g ) funds received by Santander but misplaced by Santander and can no longer be located. Santander also reported that my name showed up as a problem name in various reports issued by XXXX ; XXXX ; XXXX ; and XXXX. I was able to verify that all of these Santander claims regarding a " problem name '' were untrue ( could not be verified and/or denied by reporting parties ).

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
Consumer complaint received 12/14/2016 about Credit card () with DISCOVER BANK (CA).
Issue: APR or interest rate

Complaint: I opted sign up for Discover Card 's at 0 % APR promotion which expires on XX/XX/2017. I recently reviewed my monthly statement and online account details to find out the expiry date for the promotion because I could n't recall the date. I found that the promotion expiry is not shown anywhere that the consumer can view : not on the statement and not online. After contacting Discover through their chat function tonight, I was informed that the only way to find out is by contacting Discover. This was really upsetting to me because the only reason Discover would choose to do this is to deceive customer by not disclosing this vital information. When I stated my dislike for the policy I was told that Discover complies with all the requirements in informing the consumer. If that is the case, I suggest an investigation be conducted to see how many consumers have unknowingly had promotional periods lapse only to be hit by usurious rates of 25 % afterwards. 

This is likely a violation of Federal Trade Commission Act Section 5. Deceptive Acts or Practices : An act or practice is deceptive where A representation, omission, or practice misleads or is likely to mislead the consumer ; A consumer 's interpretation of the representation, omission, or practice is considered reasonable under the circumstances ; and The misleading representation, omission, or practice is material. This policy is likely also a violation of Regulation AA. 

I have not suffered monetary damages yet as a result of the unscrupulous policy by Discover, but am concerned that many others have likely have unwittingly lost a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Debt collection (Medical debt) with Ability Recovery Services, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I disputed this account since I have never been do the hospital where the collection came from. After months of sending them information I was told my the collector that the account would be deleted. Two weeks later is was deleted. 

Now, months later, the debt has reappeared and they tell me it was just updated and was never deleted and now they want more information. They are super rude and even harassed my mother at her address for years with letters and phone calls before they finally asked her for my phone number. Very unprofessional and are not willing to listen to logic. They just want money, don't care if their information is correct or not. They won't and probably can't even confirm is this doctor even saw me. 

Disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX {$300.00} XXXX  XXXX XXXX XXXX/XXXX XXXX/XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XX/XX/XXXX Monthly payments of {$850.00} were due on the XXXX ( XXXX ) of each month, and considered late on the XXXX ( XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page one of the Original XXXX XXXX Lease XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX XXXX Rental payment for new residency at XXXX XXXX XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!

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 05/26/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: NE Credit Collection is reporting to XXXX a collection in amount of {$640.00} for XXXX XXXX XXXX XXXX which I can not validate and they will not validate. The " open date '' is XX/XX/XXXX and this is impossible because I have lived in XXXX since XX/XX/XXXX and prior to that XXXX for 2 years. After research this is for XXXX XXXX XXXX phone ( XXXX XXXX XXXX in XXXX. This is an illegal practice of this collection company and the initial medical creditor since they are reporting inaccurate dates. I have not lived in XXXX since XX/XX/XXXX. This should be immediately deleted. I have never received a 30 day notice of collection to my current address which I have live since XX/XX/XXXX well before the reported date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: There were  XXXX  fraudulent charges made to my  Barclay  credit card ( through  XXXX   XXXX   ).   XXXX  were for  XXXX   XXXX  for  XXXX  on  XXXX / XXXX / 2017 . The next day  XXXX  there were  XXXX   XXXX  charg es (  for  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   for  XXXX . I called to tell them I did not make these charges, they were removed and marked as fraud and I had to get a new credit card. Received the new card the next aday and thought problem was fixed but when I went to check my account on  XXXX  the charges that they had removed earlier had been put back to my card. I need these charges totalling {$530.00} taken off my card.

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 07/28/2016 about Debt collection (Medical) with LANIER COLLECTIONS AGENCY AND SERVICES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received medical treatment for an XXXX at XXXX XXXX in XXXX, GA on XXXX XXXX XXXX. Following the treatment my insurance and I were billed directly from XXXX XXXX - the bill was paid accordingly. 

In XXXX of XXXX I receive a collection notice from Lanier Collection over the amount of {$150.00} regarding services I supposably received at XXXX XXXX XXXX '. 
I did not receive any treatment from this provider nor was I sent a bill. I requested further documentation that I received treatment and/ or owed this amount and after the collection agency LCA failed to do so I disputed it. 

It has now been flagged as unpaid on my credit report ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had federal and a private loan with XXXX XXXX in 2001, I was told by XXXX XXXX that I had an outstanding amount due after I had paid the full amount of my loan, I was told that when Obama came into office, he separated federal and nonfederal loans? and that there was a small unpaid amount of XXXX dollars, that went ( somewhere ). I was uninformed, the debt collection company that contacted me was called XXXX, they were horrible - they were insulting and called me at work, on my cell phone they were relentless. I called them and settled on paying the loan for a fraction of the price I believe I paid XXXX and they agreed to remove the rest of the debt and show it paid on my credit reporting. Earlier this year, I saw the debt magically reappear on my credit report under a new name Navient. I called Navient today to tell them that this debt was paid and to remove false reporting from my credit, I was told by the customer rep, that XXXX now has my debt loan and I would have to go through them to pay again, or provide proof of payment, Navient claimed they had NO control over my account. I understand XXXX XXXX is also Navient and Navient is XXXX XXXX. They keep lying about the loan, and shuffling it back and fourth between entities and adding fees and making it impossible to track, pay, and they claim there is no paper trail, they have refused to provide any documentation, and I have NO way of removing a XXXX year debt from my credit. PLEASE help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Medical debt) with CCS Financial Services, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Creditor Contact Details :  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  (  XXXX  )  XXXX  Reporting to credit  X/XX/17    Negative impact to my credit by  XXXX   XXXX   XXXX .       I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts   XX/2017 ,  no response recieved.       CREDIT COLLECTION SERVIC  XXXX   XXXX   XXXX   XXXX , MA  XXXX  (  XXXX  )  XXXX  Reporting to credit  X/XX/2017    Negative impact to my credit by credit collection services.       I Requested validity of debt, including signatures, medical records, HIPAA form to release information to this company and valid contracts   XX/2017 , n o valid response recieved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (I do not know) with ERC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get constant calls from ERC ( XXXX ). We owe no debt aside from home mortgage ( which is paid on time ). ERC calls are on a daily or weekly basis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with N.A.R., Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: North American Recovery calls about a debt I do not owe. They call family and friends, they call business numbers, and fish for additional information. They have been asked to stop contact, and they lie and deny they ever called at all, even with the caller IDs specifically identify them. I do not know what debt they are calling about, I do not have any. They are rude, they are abusive, and they are calling people they should not be contacting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX LETTERS VALIDATE YOUR UNLAWFUL CALLS AND SKIP TRACING ACTIVITIES IN VIOLATION OF FDCPA AND TCPA! THIS IS MY NUMBER AND HAVE VOICE RECORDINGS AND RECORDS. THIS MATTER IS ALSO ABOUT MY WIFE XXXX TO WHOM ALSO REC ' PHONE CALLS TO HER WORK, CELL AND MY NUMBER ON SEVERAL OCCASSIONS, ALSO HAVE ALL RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Adding money

Complaint: My direct deposit is showing as posted on my statement but I have a XXXX balance and when I called them the guy who was apparently XXXX said to me, I will send your account to the escalation department and your account will show the money in 1-2 business days

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Student loan (Federal student loan servicing) with MOHELA (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: From  XX/XX/XXXX  through  XX/XX/XXXX , I made  28  payments of {$180.00} to Mohela. None of these payments were posted to my account. They were sent to  XXXX   XXXX   XXXX ,  XXXX  Missouri  XXXX . These were sent via my online billpay service through  XXXX .  <P/> According to Mohela - due to the fact that I had declared bankruptcy, my loan was put into " Bankruptcy '' status and stopped receiving payments. However, instead of returning the payments or notifying me that they were no longer being accepted, Mohela forwarded these payments to "   XXXX   XXXX   XXXX   XXXX   XXXX  , '' as they were the guarantor of the note. Mohela informed me that to recover these assets or have them applied back to my account, I would need to reach out to the guarantor.  <P/> I was advised to call  XXXX . This is a phone number for  XXXX .  XXXX  informed me that they had received no payments from Mohela and that they were not affiliated with   XXXX   XXXX   XXXX   XXXX   XXXX  , other then acting as a servicer. They advised that I should call the  XXXX   XXXX   XXXX   XXXX  at  XXXX .  <P/> This number is ALSO a phone number for  XXXX . When I called that number, the same person who had answered when I called the  XXXX  number answered again. They also advised me that they were not affiliated with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and that they had no record of receiving any funds from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with Alorica Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The above mentioned account is being reported as a paid collection on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note or bill to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to and that it belongs to me. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the collection status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the collection status, correspondence sent to me regarding the collection action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: Have had TD Bank XXXX checking for XXXX years maybe XXXX from XX/XX/XXXX til XX/XX/XXXX. What made me breakup my relationship with them is that, usually when I deposit a check, I have either 50 to 70 % of that paycheck available and onetime I when to buy transit fare, they charged me for overdraft despite the money was there and available, this continued XXXX or XXXX more times without my balance ever dropping to {$0.00} balance. The fee 's would multiply and pop-up and cleaning me out. So I tried cutting my ties and these ridiculous penalties they pressed upon popped up and I was n't happy and just opened another account with a local bank. They closed my account after a week or XXXX without me being able to settle and I was reported to XXXX. I settled my balance with them after a month but I can not open any new accounts, not even with my wife 's name attached as a joint holder. I just moved and my current bank is nowhere near my home and i have to spend either XXXX minutes to an hour after my XXXX shift to deposit or withdraw funds or wait til I 'm visiting my sister 's home and making a quick stop to check my account.

Company response to consumer: Closed with explanation