milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Recently while conducting a monitor of my credit report I discovered t hat PHOENIX FINANCIAL SERVIC #   XXXX  has furnished some items that have unverified information. I believe under the  Fair Debt Collections Practices Act, I have the right to request that you allow   me to validate the alleged debt. I am aware that there is a debt from   XXXX   XXXX   XXXX   but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under th e HIPAA l aw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF    1996 ], to pro tect my privacy and medical records from third parties. I do not recall giving permission to   XXXX   XXXX   XXXX   to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt,  and HIPAA  authorization.     1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my a  ddress listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved a  s a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a    collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Capio Partners, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I accessed my credit reports and see that  Capio Partners are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and woul d like for them to delete the information they are not bound to report. i have reached out but to no avail they are refusing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2017 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: I have written letters as well as called each of the bureaus describing the issues I was facing regarding the multiple inquiries. I have letter certified mail receipts of when I attempted to contact XXXX, XXXX, and Equifax. I have also called the companies in which the inquiries were made and they were unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, I disputed information on my credit report with XXXX. They did not investigate my dispute in a timely matter ( 30 days ) and is still reporting this inaccurate information. As of XX/XX/XXXX, XXXX is in violation of the FCRA. I called them the same day to see why they did not follow the law. It is very difficult to get anybody on the phone. Their automated phone system is designed to hang up on you if don't pick one of two options that did not apply to my situation ( I did not need a new credit report or place a fraud alert on my account ). I tried getting through for several days. I finally got through to someone, which she was not much help. Another dispute was started, but the phone got disconnected after being on the phone for an hour. My dispute is with Westlake Financial Service, which they is reporting accurate information. This account was deleted once and then reinserted back on my credit report. XXXX   violated the 5 day reinsertion notification. On top of that the information reporting is inaccurate and incomplete ( XXXX XXXX ). Westlake also uses another name to stay on credit reports. Their other name is Westlake Service Inc. They once was on my credit report with both names at the same time. XXXX   recently verified this account as being accurate. But how is that? I recently wrote Westlake last month and I have not heard from them ( 30 days ) 2  ) XXXX XXXX is on my report. This old outdated account is still on my report, which they stretched the dates, because this is a XXXX account. The information reporting is also inaccurate and incomplete. 3 ) XXXX XXXX XXXX is account that is reporting inaccurate information and the wrong account type. I disputed the balance and the days late is not accurate. 4 ) XXXX XXXXXXXX XXXX is an item that I do not recognize the account number or the account. They reporting late payments that don't add up and charge off balances that don't match the past due. How can the past due amount be more than the charged off amount? 5 ) XXXX XXXX XXXX is reporting 120 days late back in XXXX which is inaccurate. They are a school loan that was in deferment. I have challenged the accuracy, compliance and reportability of these listings to no avail. As of today, XXXX   has failed to comply with the laws of the FTC and the FCRA. These reporting errors has greatly impacted my credit score and is making it hard for me to be financed with the best interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX is attempting to damage credit and collect debt purchased from unknown account. Company is not registered with Ohio Secretary of State to even collect where I live

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Navient keeps calling and sending letters and bills but I have paperwork that shows my bill paid I had a loan through XXXX. I provided this info to the credit bureau and they removed it from one but not the others and they continue to call.

I sent them a certified letter requesting information as to why they feel I owe them and requested that they no longer call my phone but they never replied.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Mortgage (Other type of mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (NC).
Issue: Trouble during payment process

Complaint: XXXX   XXXX ,   XXXX   My elderly Mother  XXXX   XXXX   XXXX  who suffers from a host of medical concerns that include, but are not limited to ;   XXXX   XXXX   ( legally  XXXX  ),  XXXX   XXXX   (    XXXX   XXXX   ),  XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   was instructed by Vanderbilt Mortgage  (   XXXX   XXXX   XXXX   )  to delay making her monthly payment until after the first of the month. This instruction was issued without any loan modification agreement to reflect any changes in her payment schedule based upon her current loan agreement.   I have had an opportunity to obtain and review a Vanderbilt Mortgage 's " Early Foreclosure intervention '' document dated  XXXX .   It certainly raises concern that Vanderbilt Mortgage is advising a customer to delay remittance of payment in an attempt to place the account holder in a " foreclosure '' posture. The account holder owes approximately  XXXX  on a property valued at  XXXX  and refuses to release the lien on an attached parcel valued at  XXXX .   This type of behavior by any lender is despicable and absolutely intlolerable.

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 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am not 100 % sure if I have submitted this before. I read of action you are taking against XXXX, part of Sallie Mae, which prompted me to send this in. I missed out on 6 years of potentially PSLF eligible payments thanks to their ignorance or deception - whatever it was. I have always been a pretty savvy and inquisitive consumer, so I look to learn all I can and make informed decisions - which Sallie Mae never made easy. 

I was on a 25 year repayment plan starting in XXXX to keep my payments manageable. They said my payments may go up if I went for IBR, but then never gave any guidance on how to learn what the new payment would be based upon my income so I could know if it was a wise decision or not. I checked with them about once a year to see if any new programs that would help me existed, but it felt like they wanted me to either stay on my plan, or move to the 10 year standard repayment. Information about any other plan always seemed to be presented in a discouraging way. For example, when I asked about IBR, their guidance was just to move to the new plan, and they would tell me what my new payment would be when they figured it out. I could n't afford to gamble on my payments going up too much above where they were, so I did n't. Turns out years later and with a much higher income on PSLF, my payments are STILL lower than they were on my 25 year payment plan! My suspicion is that if Sallie Mae 's records of my payments from XXXX till I consolidated with Direct Loans in XXXX and compared them to my tax returns, many if not all of my payments would have been PSLF qualifying. 

Sallie Mae never mentioned that with IBR there was a cap on number of payments ( 20-25 years ) then any balance left was forgiven - they made it sound as if you had to keep paying till there was a XXXX balance - or perpetually forever in many cases. Since my monthly balance is higher each month thanks to the lovely miracle of compound interest, my spouse and I are counting on future PSLF forgiveness for the sake of our potential to weather old age as a childless couple. ( We do n't have kids because we ca n't afford to, nor do we own a home where we reside because the market here is too expensive. ) Sallie Mae also said for PSLF you had to refinance to Direct Loans ( XXXX - XXXX services my loans now ). I was also aware that my interest rate would go up up I refinanced, so I was reluctant to do so without good reliable information - which they were not good about supplying. 

Does this action go against Sallie Mae, or just XXXX division? 

Please share this as appropriate. I would love to have my story help someone else avoid these pitfalls! Thank you for what you do for consumers - you are truly and deeply appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Payday loan debt) with LENDMARK FINANCIAL SERVICES (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Lendmark has repeatedly try to contact both my husband and I at work even after they were told not to, that they were jeopardizing our employment. They have been notified that we are working with a debt consolidation company to help resolve our debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: i have two credit cards with capital one ive been with them for years over 10. everything was fine for years then all of a sudden cap one change my due date then always changing my bill amount making me deliquent and always saying im one day late charging me late fee every month but i send my payment in on time and every month and im always a day late they say processsing time is the reason but i sent it 5 days early every time all my other credit card are on time no issues same process 5 days early please help me can you call me i think i can explain better whats going im being over charged by cap one call me please XXXX i can explain whats going on more clearly

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: To whom  it may con cern : I,  XXXX   XXXX , am filing a complaint aga inst Navient. Navient sent me to collections regarding my student loans without any written communication that I had any outstanding loans from them. I received one phone call at which time I provided my correct mailing address so that I could receive proper documentation regarding any payment plans for my loans. Shortly after the phone call, my credit score droppe d over  XXXX  points bringing me from  Excellent to a Poor Score.      I have been faithfully paying my loans to other service providers such as  XXXX   XXXX  who have been in consistent communication with me both verbal and written. They have provided me with documentation and options available for payment. I am very concerned that another service loan provider would not provide the same fair and appropriate contact.     As a re  sult, Navient has crippled my ability to apply for any rental properties and also the impending exciting opportunity of owning a home.
I am happy to set up a payment plan thought I feel I have been improperly treated by Navient and would like them to reach out to these credit agencies and reverse these outstanding charges.
I took out loans for both my   XXXX   and  XXXX  degrees and am grateful that I had the opportunity to borrow funding while I obtained my higher education. Navient however with their negligible communication is jeopardizing the future I 've worked very hard to set for myself and my family.
Any help you could provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (I do not know) with Delta Management Associates, Inc. (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Delta Management, is tr ying to collect for   XXXX   XXXX  . The accounts are extremely obsolete and should have been deleted from my credit report at this time. The company has fraudulently re-aged the accounts . Delta Management s ent me numerous letters by mail at  one t ime and continuously contacted me when I asked them repetitively to stop all forms of contact. They have contacted my mother which I do not know how they obtained her phone number and they continuously contacted her after being told not to conta ct her.Then, th ey contacted her  XXXX  organization, contacting the Bishop of their  XXXX  in which I never had any affiliation with, asking if I worked for the   XXXX   XXXX   XXXX   XXXX  . and several other questions. I do not know how they obtained this man 's phone number, to question and harass him. Then when he saw my mother in front of their congregation, he informed of this call and asking her why this company is contacting him. I have never worked or had any affiliation with this  XXXX . Then they had the audacity to send me a demand letter for notice to prior wage garnishment, Then in the prior to wage garnishment, they had the audacity to threaten me and say if I did not sign and return, they would again contact the organization The   XXXX   XXXX   XXXX   XXXX   that I have never worked for or had any affiliation. I have nothing to do with this organization. This was extremely humiliating, stressful and harassing for my mother and myself and the  XXXX   Bishop  was extremely upset for the contact.

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 10/18/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Making/receiving payments, sending money

Complaint: I HAD A TD BANK ACOOUNT THEY CHARGED ME XXXX, XXXX IN OVER DRAFT FEES FOR XXXX CHARGE OF XXXX FOR A MATRESS, AND THEY CHARGED ME OVERDRAFT FESS FOR EVERY TIME THEY MESSED UP ON THERE PAYMENT IOTION TO PAY BILLS, THEY KEEP SUBMITTING PAYMENTS TO COMPANIES AND THEY TAKING THE MONEY BACK THE PAYEMNTS WHERE NEVER AUTHORIZED BY ME, AND THEY WERENT DUE PAYMENTS SO ALL THE COMPANIES CHARGED NMY XXXX EACH TIME IN FEES I OWE XXXX XXXX IN REFUND PAYMENTS AND ALL THE OTHER COMPANOIES CHARGED ME FOR CHECK REVERSAL FEES TOO, I NEVER OWED THEM MONEY TO BEGIN WITH, TD BANK TOLD ME TO BAD AND CLOSED MY ACCOUN TSO I CANT EVEN PULL UP ANY DETAILS, THEY ARE RUDE THEY RIP PEOPLE OFF I AM NOT THE ONLY ONE, THEIR OVERDRAFT AND CHECK REVERSAL FEES ARE RIDICOULOS THEY SAY I OWE THEM OVER XXXX FOR FEES. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The reason I have not disputed the issues is because of Equifax 's continued inefficient and biased processes and policies, I have been unable to do so. I 've attempted several times going through the web address given on my credit report, but it 's either down or unresponsive. The other issues I have are the continued misinformation that Equifax provides ; such as the following accounts status should show Bankruptcy Discharged : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX Bank ( which also is showing that I am " Deceased '', which I have submitted a dispute for last year, this is ridiculous ). Also, Equifax uses/adds negative words in the " status '' of accounts that are positive, such as, XXXX accounts of {$3200.00} ; {$2700.00} ; and {$2500.00} should not read " Sold '', but Closed/Never Late. The negative wording used by Equifax is given more power due to the fact that they fail to provide any differentiation on their reports between " Negative '' and " Positive '' accounts. Equifax policies, procedures, reporting and therefore scores are far different from and more erroneous than the other XXXX major bureaus, and I feel are down right criminal in nature. I 've reported this agency more than once, and I 'm sure there are millions of other Americans as well. Please do something definitive to help with correcting the wrongs of the agency. I suggest termination.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: There is a  XXXX   XXXX   XXXX  account on my credit report with a total balance of {$19000.00} that was opened on or around  XX/XX/2008   . When I was just  XXXX   years old , my birth mother coerced me into taking out this loan. I did not receive any money, goods, or services, nor did I benefit from the opening of this account. I hired an attorney to represent me for this account. After my attorney spoke with  XXXX ,  XXXX  determined that I was no longer liable for this account. I 've disputed this account on  XXXX  and  XXXX , and it was removed almost immediately. However, I 've disputed it on Equifax, and was not even notified of the results or anything that the investigation was complete, and the account is still outstanding on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Account opening, closing, or management

Complaint: I maintained an account with Capital One 360, an online bank. On or around XX/XX/2016 they informed me that they were closing my account and would be mailing me a check for the funds remaining in the account within 10 business days. I have called them once a week since then or approximately 10 times and the funds are still sitting in my frozen account with no indication when they will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On Sunday XXXX XXXX 2017 a credit manager gained access to my credit report and damaged my XXXX and XXXX XXXX. 

XXXX and third parties gained access to my report and changed accounts. 

XXXX has not followed reasonable procedures in cases of disputed accuracy involving the following tradelines. 

Reported inaccuracies and FCRA compliance 1.XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX XXXX did not independently validate information contained in furnishers records. 
false delinquencies XXXX, failed to implementing the accuracy and integrity standards and direct dispute provisions for furnishers mandated by the Fair and Accurate Credit Transactions Act ( FACTA ). 
XXXX failed data quality checks or failed veracity checks which contained logical inconsistencies in the data both at the level of the data file and at the individual consumers trade line. 
XXXX withdraws consumer credit disputes via the XXXX system when prior to creditor response, and provides bogus verifications response and fails to provide consumer procedural and proof of investigation report required under the FCRA.

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