milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2015 about Debt collection (Medical) with NORTHLAND GROUP INC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have already payed all my debt to the debt collection agency that I had owed back in XXXX because after I paid that amount I did not hear from the agency again. 
Now in XXXX, I get a letter from a different collection agency that I owe some other amount to the same creditor I had dealt with back then. 
I called the creditor and they had no information of mine besides what was noted from the previous debt collection agency. The previous debt collection agency did not document the full transaction. The creditor said that they changed debt collectors and the new one has gone far back as XXXX to collect debt. 
Unfortunately, I trashed all my documents that were dated back XXXX years ago and I 've also contacted my bank asking for statements from back then but they do not go as far back as XXXX years. 
I had high hopes in getting my bank statements because that would give me evidence that I paid more than what the creditor is asking. 
But I have no evidence of paying besides my memory and my letter to the debt collection agency I had saved in my email. 
What do I do? 
I have until this Friday for the debt collector to do something against me. I really do n't want to pay for something I already paid and am very upset about this whole mess. 
I do n't want to pay the creditor for something I already paid XXXX years ago and am just really upset this is happening. I 'm sure this is another way of scamming people of their hard earned money ... this is just unfair! 
Please help!! 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I went to XXXX in XXXX XXXX and I took out a school loan with XXXX XXXX. I was told that I would have low payments after I graduated around {$100.00} a month. XXXX XXXX and XXXX took complete advantage of my situation and did not explain the terms. At the time I was young and excited to attend college. XXXX did not provide classes as they promised and I ended up having to drop out. I did not get gradate. I 'm paying for a school loan that I never used. My loans were transferred to Navient and I pay about {$400.00} a month and that does n't include my other 4 loans that are federal. I 'm struggling and have asked Navient several times to lower my payments and or interest rate. Navient will not provide any assistance. I owe about {$37000.00} now.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: EXPERIAN it 's providing incorrect information on my credit report in which does Not belong to me from this, Company   XXXX   XXXX   XXXX   XXXX   claiming two differenced Balances one of {$29.00} and other Balance of {$38.00}.
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Address :   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , FL  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please remove this credit info from my credit report. It is not mine ... 
I was alerted today that I have a credit card from XXXX XXXX, with a {$1000.00} credit limit, which was opened XXXX/XXXX/XXXX ... with no derogatory information - never late and completely paid off ... but is now an inactive account. 
I have no idea who this card belongs to, but it is not mine. My credit score dropped XXXX points today ( within one week ) and I have no idea why or if this is the reason - FRAUD!!!! 
In addition, you report that my oldest account is only 1 year and 4 months old. This is absolutely inaccurate, too. Please contact XXXX XXXX Bank and they will tell you that I opened an account with them on XXXX XXXX, XXXX. This is almost 2 1/2 years old.

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 03/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am trying to deal with Navient ( formerly XXXX XXXX ) regarding private loans that were taken out for my college tuition ( both under my name and with my mother as the primary borrower and myself as the cosigner. ) They have admitted over the phone repeatedly that if you are n't giving money to them over the phone ( the exact amount that they want, which is exorbitant, ) they will not document the phone call. Because of this, I have started dealing with them only via paper letters, which they have not taken kindly to. 

For the loans where I am the primary borrower, they are expecting well over $ XXXX/month payments which are unreasonable with my income. I have given them multiple financial statements over the phone, which they apparently are n't putting in the system because the next time I talk to someone there they say that there 's nothing on file. When I give them the statements, they agree that $ XXXX/month is too much, but that they have nothing else available. When I ask what they recommend I do, they say to not even bother sending the amount that I can actually afford without losing my home and car ( needed for my job ) because it 's not enough to do anything worthwhile. Then they make fun of me for not going into the career path that I was hoping to while in college and demand to know when I will be. 

For the loans where my mother is the primary borrower, she has one in a lower payment plan. We have confirmation numbers for the payments and they have been taking them out of her checking account, but then we received a letter in the mail stating that the payment plan has been rejected ( no reason why, which we 're trying to find out in writing. ) Yet even after the date the letter was sent, the money has still been taken out of her account by Navient. She 's also still receiving letters and phone calls that that particular account is delinquent, even though she 's making payments on it. 

I am at my wits end with them, trying to contact them via paper ( I refuse to talk to them on the phone anymore, as it 's resulting in me having panic and anxiety attacks every time they call. ) I do n't want to go into default, but I ca n't afford anything close to what they are demanding for these loans. I have used up all of my forbearance time on these loans ( which I paid {$150.00} every few months to put them into when it was XXXX XXXX. ) It 's almost making me wish that I never went to school at all, and also wish that my school had done a better job educating about what private loans really are instead of having me just sign a piece of paper for more money towards tuition ( XXXX XXXX and XXXX XXXX of XXXX. ) My federal loans are in a reasonable repayment plan based on my income ... why ca n't private loans be the same way? Please help or advise what I can do!

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Medical debt) with Collection Consultants of California (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company Collection Consultants of California has been harassing us over a year by phone calls saying we owe a hospital bill that we know anything about. They keep calling and adding interest on to the bill. We beg them to please sent us an itemized statement of what this is. We never received a bill. We always pay our bills on time and this company has attacked our credit rating. It is wrong to attack out rating when they will not supply us with the information. I do n't know anyone who would just write a check to any company who claims you owe {$10000.00} with out any proof of what it is you owe. So I am filing this complaint with you. I went on our credit report and disputed this debt with XXXX 
I just got back in town after being gone for 3 weeks moving my daughter across country to college. In my mail is a bill from Collection Consultants of California for {$10000.00}. The assigned amount from the hospital is {$8500.00} plus XXXX in interest to this company CCOC who claims we owe this. In this envelope is an itemized statement from the hospital from XXXX of XXXX with my name on it but the wrong address. So someone at the hospital had been sending this bill to the wrong people then they send it to the collection company and they start harassing us and not sending us the itemized statement that we requested a year and a half ago. This whole time this company CCOC has had our correct address and can clearly see the bill from the hospital was incorrect but yet they refused to send us the itemized statement so that they could continue to charge us interest and ruin our credit rating. This is horrible to do to people we had incredible credit score and this is the only company that has messed up our credit score and harassed us and is charging us interest on something we new nothing about cause it was sent to the wrong address because the hospital put in the wrong zip code. CCOC had our correct address and could of fixed the problem over a year and a half ago. illegal and dishonest!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XX/XX/XXXX I received a letter from Discover Student Loans that was very vague and lacking in details, but it said that there was a change in my account regarding interest capitalization and due to this change I am eligible for a credit. I was not give specific details regarding the interest, nor what the credit would be, and I have twice sent them a message through the mail center in my account and have not received a response. In addition, the XX/XX/XXXX student loan interest payments attributed to my account totaled {$460.00}, according to Discover, but according to my calculations that total should be {$600.00}. I initiated an online chat with a representative last week ( I believe it was either XX/XX/XXXX or XX/XX/XXXX ) to discuss the discrepancy. The representative added the interest as well and also concluded that the information included in my tax statement was incorrect, and therefore was requesting that a specialist look into this situation. I was told that I would be contacted in the next day or two, but nobody ever tried to contact me. So today ( XX/XX/XXXX ) I once again initiated a chat where I was told that after looking into the tax situation it was determined that the " credit '' I was eligible for was applied to my student loan interest payments for XX/XX/XXXX which reduced my interest payments by {$130.00} ( according to my calculations ). This makes absolutely zero sense to me. Why would a credit be applied to interest payments that were already made, which could reduce the amount of my tax refund? Why would n't that credit be applied to my current statement or statements going forward? I asked the representative these questions and he was unable to answer them. He told me that nobody would be able to answer those questions for me because changes being made to accounts " happen in the background '' and I would not be able to get an explanation as to how things were calculated. In my opinion this is incredibly deceptive. How can changes be made to my account without an explanation given to the consumer? If adjustments are being made, then somebody should be able to explain to me exactly what those adjustments were and how they were calculated. I am extremely frustrated with the lack of information being provided by Discover Student Loans, and I would like some answers as to why a supposed " credit '' to my account actually looks like a penalty when it comes to the information I need to include on my tax returns.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with Applied Business Services, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This Medical Bill has Violated the Hippa Violations, I have no contract with you, please remove and delete off my credit report Immediately. This is Fraud and I will contact the Postal Service because I believe you are trying to fraud me out of money!

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I called on XXXX/XXXX/2016 and spoke with a gentleman from XXXX, which services my private loan with Citizens Bank. I asked the gentleman what my loan payoff amount would be to pay the loan in full and he stated it would be {$69000.00}. I gave him my bank routing and bank account number and he processed the payment and I received a confirmation email indicating a payment of {$69000.00} with an effective date of XXXX/XXXX/2016. I then received a phone call on XXXX/XXXX/2016 indicating that they had made a mistake and applied the incorrect amount of {$1000.00} and to call them to resolve the situation. I called them on XXXX/XXXX/2016 and spoke with a supervisor who informed me that although it was their error and we received a confirmation email indicating the full loan payment of {$69000.00}, we were still going to be charged one day of interest of approximately {$22.00}. I as the consumer did everything on my end to payoff the loan as of XXXX/XXXX/2016 and had no control over how they applied the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Vehicle loan or lease (Lease) with BRite Financial Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am leasing from brite financial serv. On my credit report the amount on the auto loan is reflecting as if I am late on my payments because the loan amount goes up and down. This problem is cause my scoring to goes down. 
I asked a lady why is this doing this she stated that it should not reflex a balance at all since I am leasing but when I told her a balance was reflecting she did not know why. my lease end in 2020 I am trying to buy a house and this issue is not helping. Please help resolved this issue

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Settlement process and costs

Complaint: Nationstar Mortgage does n't respond to my requests to have an agent present at the sale of my mortgage. Also, I 've called customer service several times asking for the original stock certificate and proprietary lease. They do n't seem to understand that I need the documents and a rep present at the closing ; otherwise I ca n't finalize the transaction. Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: There is a medical collection on both XXXX and XXXX reports in the amount of XXXX. This debt has been removed and re appeared on my credit reports with out me being notified. Its not on my XXXX report though. I tried to resolve this with the credit bureaus and got no where. It has been sold several times to multiple collections agencies and not once did I receive notice of this. This was added to those credit reports on XXXX. When I did the online disputes it was removed then added back under a different collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: AES -XXXX. After 5 yrs of getting a steady paycheck after graduation I became XXXX. I talked to AES in regards to the program they have called " Long Term Payment Modification '' submitted all the application around XX/XX/XXXX and we went back and forth sending other information they needed, I submitted copies of my tax returns to justify how my income decreased and also submitted the consignor release form. I kept calling them weekly to confirm what information they exactly needed, the last time I talked to them they told me the only document I needed to resend was my XX/XX/XXXX tax returns and within 10 business days I would know if my application was approved. XX/XX/XXXX, I get an email saying my application has expired and I have to submit everything again. I look over the application documents there is no deadline, I am not sure how they decided my application out of nowhere expired? I need help, another of the clauses says the loans have to be current and with no late payments for the application to be accepted I cant keep up with the payments unfortunately and will be in default soon.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Transaction issue

Complaint: I established automatic payments on my kohls account. Something went wrong and the payments were not taken from my account. Kohls acknowledged that a problem existed and refunded the late fees but still reported as delinquent to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: We were denied a loan modification from Bank of America after a game of deceit on their part. They were given all the information that was requested yet they kept saying you did n't send in page XXXX or you forgot to send your income statement. All items that had been sent over and over again. Then they said you were denied because you did n't get the paper work in to us on time so you do n't qualify. Their is so much to this case as it has gone on for years now but they just scam the people not just us. They have broken the law on several levels and should be held accountable.

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 09/29/2015 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Credit line increase/decrease

Complaint: I have used the Chase XXXX XXXX XXXX card for approximately three years. I pay an annual fee of {$95.00} for this card, specifically because it grants me free checked bags and priority boarding. I had a credit limit of {$10000.00}, with approximately {$5300.00} outstanding. I paid off the balance in full yesterday. Today I tried to book XXXX airline tickets ( approximately {$2500.00} ) using the card, and it was declined ( it had also recently been declined at a grocery store with plenty of availability - humiliating to say the least ). I called to find out the issue and was told they had reduced my credit limit this morning by {$10000.00} to {$500.00}. I pay an annual fee specifically to be able to purchase airline tickets on this card - you ca n't buy airline tickets with a {$500.00} credit limit! I do n't understand ( nor care ) what they *think* they saw in my credit profile that indicates I am either a higher risk or an unprofitable customer. They should have notified me before such a drastic decrease in my availability as I would have used the cash to buy my airline tickets instead of paying the account in full. I want my annual fee refunded for the inconvenience and embarrassment they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made several good faith attempt to settle my account with XXXX. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 04-12-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Using a debit or ATM card

Complaint: CLAIMID : XXXX XXXX claims reversed from XXXX for transactions that were not made by me Claims support agents were extremeley unhelpful and unwilling to cooperate and help out a I did not make either of these XXXX transactions I remember that day clearly I started off my day at XXXX and seem to have misplaced my card after that so yet again I was not at XXXX XXXX in the day in question CHASE EXTREMELY UNHELPFUL!!! UNHAPPY WITH THERE SERVICE

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (IL).
Issue: Managing, opening, or closing account

Complaint: For a little over a week now I have not been able to get to my money on my rushcard I have called everyday with no luck i have sent emails I live pretty much paycheck to paycheck I 'm a single mother XXXX and I just want my money that I work hard for ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2017 about Debt collection (Other debt) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Received a copy of my credit report showing a new collection agency. Wakefield and associates is in violation with my hippa rights. It is against hippa to sell my hospital records to a third party, my daughter had state XXXX which prohibits them to bill me for services rendered if they are unable to collect from the insurance company

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