milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified XXXX dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX XXXX   {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX  XXXX XXXX {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau XXXX, Equifax and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from Equifax that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in May of initial complaint shows there wasn't a 30 investigation done. 

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: FedLoan Servicing keeps adding balances and subtracting them from my account. These accounts were reported late between the years of XXXX. This has adversely affected my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one,  they did not have my correct contact Information and I was not able to be notified that my accounts were out of forbearance. I respectfully ask that the late payments due to this are removed and set the current. As soon as I contacted fed loan servicing, my loans were updated back to the forbearance status. Also, I would like to request that all loans older than 6 years be removed from my credit report, as that is longer than the SOL in my state. I need this removed ASAP, as FedLoan servicing is participating in illegal collecting and reporting practices. I have contacted them repeatedly to try and resolve this matter as well as speaking to supervisors in numerous departments without a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TN).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: I wrote into THD ( Citibank NA ) on XX/XX/17 with the following request verbatim in their secure messaging system : Please limit my privacy options : Remove all sharing. Do not share or market my information with any third parties at all. This includes affiliates and non affiliates of Citi or THD.

Change my email settings to Service Contact Only. I do not want email offers.

Change all phone settings to Do Not Call.

Change my privacy to not receive any telemarketing offers by phone or mail.

Take me off any calling or mailing list please.

Thank you!

The response on XX/XX/17 was verbatim : As you requested, we have updated your privacy options. Your name may be included in marketing programs currently in progress, so please allow 30 days for all solicitations to cease.

Please let us know if we can be of further assistance.

This request has not been fulfilled. I am still receiving promotional emails every few days. I have saved all items sent after 30 days in my inbox. Currently I have 5 items received on or after XX/XX/17. The actual dates are XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, and XX/XX/17. I will continue to monitor as additional emails get received. This is a clear violation of my request and my privacy. I never received any promotional offers from THD prior to the issuance of this credit 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: This is a result of the data breach of Equifax on XXXX XXXX, 2017. They mishandled my information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Also they did not notify anyone quickly enough and admit that they will not notify everyone. This is extremely unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Receivable Solutions Specialist, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This company has reported the same medical collection against me 8 times!!! I have written and requested that this information be removed from all credit reports because it is incorrect, and also asking for proof if they believe that they are correct. I still have had no results, and need those accounts removed from all reports permanently.

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 09/20/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: On the XXXX show XXXX while they are showing a buyer looking at a home for sale, a flash at the bottom corner of the screen, says " XXXX payment is {$2000.00} ''. 
being in lending for 48 years, I know that in order to quote a payment, you must also show, APR, loan amount, term, etc. 
ALL THEY QUOTE IS THE PAYMENT!!!!!!!!!!!! 
XXXX XXXX is owned by Quicken Loans, a huge National Mortgage Company. 
This is not right for them to do this, and must be stopped now!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I can not recall years and dates so on because it have been so long ago. 

By the time I had graduated, I could not find any job so I could not repay loans. I asked Navient for advice on this, and they said forbearance was best option. So I used that option for few years. I can not recall how many years exactly. 

That increased the debt and interest quite a lot but it was better than leaving it to enter default. Since I thought it was best way, I also applied same to previous college loans from XXXX. For XXXX, I had used forbearance for maybe 2 years before XXXX advised me on using income based repayment. I was still not employed so bill would be XXXX. But there was no interest and base increase. I eventually ran out of forbearances on Navient and changed it to income based repayment. 

I finally had job so I started paying loans up. I have fully repaid 2 of 4 loans at Navient and zero out 3 in XXXX. It was going okay, till I found out about Navient class suit due to them giving bad advice on forbearance costing people like me bunch of money. 

So at the end I had increased repayment and interest on both sets of loans, due to Navient advice. Note this is not complaint against XXXX, but only Navient due to Navient bad advice affecting both sets of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account from XXXX is closed and I no longer them owe them. Original amount has been paid twice. These amounts are from penalties that is not warranted nor exist anymore. Please remove this.

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 02/16/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: I had my auto loan set up on auto draft since the time I opened my account. Apparently in XXXX of 2016, Credit Acceptance started having a problem with my auto draft. They did not notify me of the problem until XXXX of 2016. By that time, my auto loan had reported 4 straight months of delinquency. I immediately paid them all of the payments, and we corrected the auto draft problem together. Now, Credit Acceptance will not correct my reported pay history, even though they did not even notify me of a problem with my payments being processed.

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 06/19/2017 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Trouble during payment process

Complaint: This submission is in response to a previously closed complaint  XXXX .   A loan modification was executed through a third party ( Hardest Hit Fund AKA Arizona Foreclosure Prevention ). Bank of America has refused to update my credit file according to the Fair Credit Reporting Act as late payments were reported while making payments during the program. Bank of America justification for derogatory reporting is that the modification was not completed within their business entity.     Intermittent address changes to my credit file without my explicit authorization or consent.

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 01/13/2016 about Debt collection (Medical) with Patient Accounting Service Center (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ive contacted XXXX several time last year and have gotten different answers, first time it said it was my ex wife 's name, so i asked them to remove me from the collection they said ok, they would contact her, i gave them an address and phone number for my ex wife as well as her business address, also stated that i have n't been in contact with my ex wife for several years, at least 8 years, i called today XX/XX/2016 and they would n't give me information as to by whom or when the account was put into collection or what it was for, they said well can i have her number to contact her, why would she put you on their if you guys are divorced, referring to my wife, again i gave them my information, and i feel as if nothing is happening, i did not go to this facility i have no knowledge of this account my ex wife and i have been divorced for 8 years

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Advertising and marketing

Complaint: I upgraded to a XXXX Spirit Airline Credit Card back in XXXX. 
I have used the card exclusively to obtain air miles. I went to use those miles XXXX recently only to find out that the miles expired because I was n't using the card. I explained to both Bank of America and to Spirit Airlines that I have charges an average of XXXX to XXXX a month ( I can provide statement print outs for the last 12 months of charges in excess of XXXX each month ) - ( I can provide the last Spirit Airline statement ). 
Hours on the phone waiting, waiting and waiting ... prompts and then folks who can not really help. 
Are these Cards Scams? Should I really be using these types of cards?

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 09/30/2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They state I owe {$88.00} and have never produced XXXX shred of evidence supporting their position. I never received services from the hospital and the hospital has been closed for over a year and a half. I was able to contact the XXXX XXXX Hospital board and confirmed with them that I do not owe this debt and have a letter confirming. However, I have disputed this claim with all XXXX agencies and they wo n't remove the fraudulent collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Medical) with AmeriCollect (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Company repeatedly reports this fraudulent debt on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Managing the loan or lease

Complaint: First of all Cash Central initially opened the account without my knowledge and deposited money into my account. After they bribed me to keep the loan with a lower fee, I eventually took out an installment loan and decided to stop the ACH payments and would pay with other means. I emailed them on XX/XX/XXXX, with no response. I have emailed them in the past with no issues, they have also emailed me with no issues. They proceeded to take out my payment anyways and so I called to resolve the issue and they hung up on me 2 times. I also attempted to chat and they just said for me to call the number. They have not held up to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit card () with Alliance Data Card Services (NJ).
Issue: Delinquent account

Complaint: I am trying to refinance my student loans, I was 90 days late in paying Comenity Bank on a XXXX account {$23.00}. They account now has a XXXX and Comenity has increased my credit balance. However, they put a negative rating on my credit history. I requested, in light of the fact there is a XXXX, and they increased my credit limit, to remove the negative rating from my credit. Comenity refuses to do so and this negative notation could stay on my credit indefinitely. Comenity requires a letter by regular mail disputing the negative rating. Comenity refused to provide me with an explanation of their process and what they review to remove the negative rating.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX XXXX,2017 I called Amazon chase company asked what the pay off was. They gave me the amount in which I paid ofc account. I then receive a bill for a interest payment for the next month. When card was paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2016 about Debt collection (Medical) with Sa-Vit Enterprises, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Savit Collections has reported me to all XXXX credit bureaus this is not my account or they have me confused with someone else I have XXXX % medical coverage with no co pay this is not my account and request it be removed immediately additionally they call my home every hour of the day with a anonomous number

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: XXXX has been harrassing me for payment of a transaction that they made a mistake on months ago. After checking my bank records, I was willing to pay the amount. However, the confusion during this time for that amount to be overlooked was due to some fraudulent charges on my account they were investigating and has switched me to another card. They concluded their investigation and credited me those charges. But then they claimed that this particular amount was still outstanding and started to charge me late fees for it. I have made about XXXX lengthy call to them to finally track down how this amount was missed by them and differentiated from the fraudulent charges that was settled. Although I am willing to pay the actual true amount of the transaction I made and that they made a mistake and missed, they want to add late fees to it. I was only made aware of the transaction and differentiated from the fraudulent charges a couple of weeks ago. Calling and talking to the customer representative and even their escalations supervisor is not bring any results. I need someone to investigate XXXX credit card for their incompetence and harassing me on a daily basis with multiple calls. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am not sure if Nelnet is the federal government or a non- federal student loan. 
Department Of Education/NELNET In XX/XX/XXXX, I took out a parent-plus loan in the amount of {$5000.00} for my son who was attending college. I began paying the loan back in XX/XX/XXXX. I made monthly payment until XX/XX/XXXX and several payments in XXXX. My remaining balance was {$2400.00}. I applied for Total and Permanent XXXX discharge through Nelnet and was approved to be XXXX from the loan. In XXXX I begin receiving letters from them stating that because I did not following the instruction of the 3 year monitoring period the loan was reinstated. When I checked my credit report Nelnet added a loan from XX/XX/XXXX that I did not take out and I have no knowledge of this additional loan. I have never been to college and never applied for any additional student loans. I have wrote them several times asking them to remove this loan. I informed them that I did not take out this loan from XX/XX/XXXX. I also informed them that I had only taken out one loan and it was a parent-plus loan in XX/XX/XXXX, and my balance was {$2400.00}. I informed Nelnet to please correct this because they are sending me statements that I have two separate loans totaling over {$5000.00}. Also they have put this on my credit report. Nelnet has not remove this from my credit report and has not address my problem. Also I have applied for Total and permanent XXXX again because I am on social security because I am XXXX and I have sent them all the documentation but have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Medical) with R.M. Galicia, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have an ongoing dispute with the billing practices of Progressive Mgmt Services ' client, XXXX XXXX XXXX Hospital and its affiliates. XXXX XXXX XXXX Hospital and its affiliates routinely do not provide itemized billing in a timely manner, do not send itemized billing at all, and place accounts in collection without proper due diligence. PMS has been repeatedly notified of this fact on at least 3 prior occasions. PMS continues to attempt to collect invalid debts on behalf of XXXX XXXX XXXX Hospital and its affiliates despite the prior notifications. PMS leaves automated and live telephonic voice messages regarding the disputed accounts without verifying they have the correct contact information and without permission from the alleged debtor - in violation of the FDCPA. PMS has failed to put into place safeguards to rectify these issues as previously outlined in multiple communications with them, XXXX XXXX XXXX Hospital, and the AZ Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Credit card) with Northstar Location Services, LLC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: KEPT CALLING ALL FAMILY MEMBERS NUMBERS ( SEE aTTACHED IN VIOLATION OF TCPA.

Company response to consumer: Closed