milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below. 90 days late XXXX XXXX 90 days late XXXX XXXX I am not sure how this happened since I was enrolled in school at these dates and when contacting nelnet directly they informed me this information has been updated in which it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Advertising and marketing

Complaint: XX/XX/XXXX I went on Frontier Airlines website to purchase tickets for an upcoming trip. On their website there is a banner ad ( still there ) stating that you can get XXXX air miles if you take out the Frontier Airlines MasterCard ( Barclay Bank ). It says that you must pay a {$69.00} annual fee and spend {$500.00} or more within 90-days. I did this and received the approval and then booked with the card for over {$500.00}. I have been arguing with them for 3/4 of a year now about not receiving the air miles. They have finally determined that I am due XXXX air miles because I used the card too soon. There is nothing on the site that tells you not to do that, and it would appear that the intention of the site is to get you to take out the card so that you may buy the tickets. If I am having this problem, I would be willing to bet that XXXX other people are as well. It is false advertising and predatory to say the least.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Common wealth financial systems reported on all XXXX of my credit reports on XXXX and changed the status to " collection '' on XXXX/XXXX/XXXX. This debit was discharged XXXX XXXX in chapter XXXX bankruptcy. I contacted Common wealth financial systems at XXXX spoke with the supervisor XXXX XXXX and he stated to me " this is not common wealth 's problem because they have this debit reported as in collections as of XXXX XXXX '' He was informed the debit was discharged in chapter XXXX in XXXX XXXX and he stated " Common wealth does not investigate this and as of XXXX XXXX it is a collection that is due ''. What can i do about this stuff being reported to my credit. I have submitted packages to XXXX, XXXX and XXXX in XXXX XXXX to dispute the XXXX XXXX acct placed on my credit and Common wealth updated the status on XXXX/XXXX/XXXX to " collections '' I have been denied credit since XXXX XXXX and most recent XXXX XXXX reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The inquiries, which appears on my credit report from TD Auto Finance dated XXXX/XXXX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2016 about Debt collection (Medical) with MERCANTILE ADJUSTMENT BUREAU, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Hello, My name is XXXX XXXX XXXX & I have received numerous of calls from ( Mercantile Adjustment Bureau ). I requested for them to cease & desist all calls to my personal cell # ( XXXX ) XXXX. By the FDCPA a request of no calls on a cell phone is either verbal or written. I verbally made it very clear never ever to call my cell phone # ( XXXX ) XXXX 3 months ago. As of today XXXX/XXXX/2016 at exactly at XXXX I received another call from ( Mercantile Adjustment Bureau ) at XXXX. As I made it clear & stated again never ever to call my cell do to my minutes & a inconvenience to me & my time & they persist to keep calling my cell. I am very furious & presenting a complaint & would like to proceed the extent of a Law Suite on the company. Please provide me with this assistance? I have proof of call log on my cell phone time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have received several emails from Ace Cash XXXX. They are constantly harassing me regarding a debt that has been settled in a bankruptcy in XXXX

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 02/28/2018 about Mortgage (Other type of mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX I received a letter from XXXX County informing that my property taxes were overdue. I contacted Freedom immediately to inform them of this situation and then emailed a copy of the original bill and overdue bill with interest. Since this was a Saturday, I followed up with Freedom during the work week to ensure information was received. I was informed that your tax department has 30 days to take care of this matter completion date of XX/XX/XXXX. 

XX/XX/XXXX I received a letter from XXXX County informing me of a collection notice. I contacted Freedom and informed by ID : XXXX legal action would be taken on Freedom Mortgage, not myself. I was reassured Freedom was the responsible party and the county would not take action against me and that payment would be submitted by XX/XX/XXXX. 

XX/XX/XXXX I contacted the XXXX County who informed me civil action has been taken against me and they have contacted my employer to garnish my wages. I spent over 2 hours on the phone with Freedom Mortgage attempting to get this resolved ( throughout the course of 4 phone calls ). I also had to take the morning off to go to the county tax office. I informed Freedom at XXXX eastern the severity of the situation and that I was now being financially punished for their failure to pay my property tax bill. I was assured it would be handled and paid by XXXX eastern. At XXXX I followed up still no payment. I was escalated ( above general supervisors ) to ID : XXXX and told she would be escalating to her supervisor and I would receive a callback at XXXX on XX/XX/XXXX. 

XX/XX/XXXX I reached out to Freedom at XXXX after not receiving a call-back and payment has yet to be handled. I am yet again being escalated above the supervisor level and awaiting a callback from supervisor of ID : XXXX, no known ID but her name is 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 explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, XXXX I opened a dispute with Experian on the alleged Bankruptcy that is being reported under my profile. On XXXX XXXX I received my results. HOW IS THIS POSSIBLE? They DID NOT INVESTIGATE the alleged account. I have enclosed the letter from the court house saying they do not report to the credit bureaus and that if they need to get the information they would have to send an employee to get this information, which they never do and DONT DO!! Therefor they are reporting INACCUARCY and damaging my name and my rights. They NEVER VALIDATE or VERIFY and send me ; the consumer PROOF!! Enclosed is the letter from the courthouse and proof of dispute and how quick they just came to this CONCLUSION!! I will be filing with the XXXX and the XXXX XXXX as well.

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 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have called TransUnion to correct my personal credit file, I called customer service and stated that they have incorrect address that is on my credit report and as well a company I never worked for that I want removed.

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 11/17/2015 about Debt collection (Medical) with Io, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I incurred a debit medical with XXXX for XXXX of allegedly XXXX deductible upon this debit my insurance company cont to verify no monies were owedbased on date in question I sent certified letters emails and numerous phone calls to no avail. Meanwhile acct was sent to several collections based on this I filed a small claims actions in XXXX XXXX of MD XXXX XXXX where a trial was had Honourable Judge dismissed both claims including attorney counter claim on this date I was shown an invoice that I had never received. Based on that invoice even though court had dismissed I paid with Certified Check .bank shows where check was cashed.after cashing check collect cont even though I owe nothing receivables Management Systems cont and has inserted this debit ad being owed and accurate causing a severe drop in my credit score and refuse to remove

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I submitted a request to review inaccurate information on my Equifax credit report on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I received a letter from Equifax stating that the public record of bankruptcy on my credit file has been " verified ''. I have no other documentation, validation or proof of this claim and am demanding that this be removed from my credit file immediately. This claim has caused me great emotional and financial distress, and I was supposed to have this validation information provided to me within 15 days of the conclusion of their investigation per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Mortgage (Home equity loan or line of credit) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Settlement process and costs

Complaint: As of XXXX 2016, My wife and I have reached a payoff settlement on a 2nd mortgage / home equity line of credit with Regions Bank. The funds were received by the lender and the lien plus judgement were removed. The lender has not however removed the negative items listed on my credit reports which has a very negative impact on all other aspects of my financial affairs and since this was paid as agreed, I should not continue to suffer as a result of what was predatory lending practices.

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 11/23/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (MD).
Issue: Problems when you are unable to pay

Complaint: In XXXX 2014, they repoed my vehicle - upon them receiving the next day {$1800.00} XXXX ( more than what was owed ) they INCLUDED all the necessary fees affiliated with the REPO charges. Thereafter, a full and final payment of {$460.00} was mailed to Westlake to pay the remaining balance OFF IN FULL. ( check cashed ) A couple of months passed and I called to follow up on the title being mailed to me. I was informed that I had incurred additional charges of {$140.00} for the remaining of the repo bill. I was furious - because I knew they were being very dishonest. In no way would they have released that vehicle to me without all fees being paid in full. 
Not only have they refuse to forward my title to me they have reported Derogatory remarks with all XXXX credit bureaus. 
with all XXXX credit bureaus damaging my credit history. My vehicles is paid in FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Bank of America sent me a statement that I had a negative balance ( because of fees ) on a savings account I had had open for about 10 years. I rarely had any money in the account, but I was never warned about keeping a minimum balance in the account to avoid fees. Then all of a sudden I was sent a statement that said I had a negative balance because off fees. The only way I was able to close the account was to pay the negative balance. Ridiculous!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2015 about Debt collection (Credit card) with Radius Global Solutions LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Robo calls in violation of TCPA, also releasing information that is confidential if this is not XXXX XXXX it contains information that is regarding a debt collection attempt. Their email is XXXXXXXXXXXX, XXXXRadius Global Solutions, XXXX XXXX XXXX. XXXX. XXXX XXXX, XXXX, Fl. XXXX. The account is for a credit card from 2007.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I started the process of getting a forbarance agreement on my Wells Fargo mortgage.To reduce my monthly mortgage payment.The reason for request was loss of job.My husband was layed off due to lack of work, he is a XXXX.we were granted a forbarance agreement.Our payments were reduced to XXXX.The XXXX 6 months was a trail period then after the XXXX months of paying payment every month on time it became a permanent agreement.In XXXX of XXXX we declared chapter XXXX bankruptcy.Our home was exempt from the bankruptcy.Our discharged was in XXXX XXXX.In XXXX XXXX when I called to make a payment they told me they could n't accept the payment, The reason they said was they, sent me paperwork and I did n't return it.I never received any paperwork.They took the payment and told me They were gon na send me a new packet and I had to complete it and send it back before next months payment would be accepted.I submitted paperwork they accepted payments up til XX/XX/XXXX.In XX/XX/XXXX I received a paper that I had to go to court cause I was losing my home.I called Wells Fargo spoke to a mortgage specialist she told me I was missing paper out of packet they sent me.I was told ito resubmit paperwork that was missing, after they received the paper I was told to disregard the court date they were processing the paperwork and they would contact me.The paperwork I filled out was a application for a forbearance agreement-when I asked why I had to fill out this paperwork was told it was to up date my account. The notice for me to go to court was given to someone sitting on my front step on a Sunday.XX/XX/XXXX payment was returned to my checking account I was not notified of the returned money til weeks later when it appeared back in my account.When I called about returned payment was told there was problem with paperwork a few days later I received a final judgement from the courts stating i did n't show up at hearing and I was losing my home.Called Wells Fargo spoke to someone about the paper I received.was told to resist missing paperwork and she contacted the underwriter to stop the sale of home.I have been in contact with them for the last few months on a weekly sometimes daily basis.been assigned numbous specialist.Therre still is no resolve every time I speak to a new person there 's a new problem.now I received a paper stating my home goes to XXXX sale XXXX XXXX. They have not accepted any mortgage payments since returned payment in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Credit card debt) with NORTHLAND GROUP INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX sold ( 4 ) accounts and the debt associated with these credit cards to the Northland Group, aka XXXX XXXX. These cards are not mine and were opened as a result of identity theft and fraud. I have never used these cards and have never had them in my possession. I notified XXXX as such. I also provided XXXX proof that I was a victim of identity theft and each of the three credit bureaus froze my account and placed notices of such therein. Northland Group is now contacting me attempting to collect on the fraudulent accounts and obtain money under false pretenses. I have asked that they provide the same supporting information on which XXXX relied to make their original claim, but to date they have not responded. I hold XXXX and Northland Group liable as they are both in violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX sisters loan from XXXX XXXX shows on my credit report. The loans account last XXXX is : XXXX with the amount of {$1100.00} and it is charged off. I am not liable for this collection and it needs to be removed and placed on the correct persons credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Put several inquiries on my credit report that were fraudulent, I have spoken to them numerous times with no aviel. I put a fraud alert on my credit, but they still wo n't do anything.      XXXX  on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / 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 explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: My credit monitoring service alerted me to an account that was just added to my credit file. My XXXX  monitoring service told me that Navy Federal Credit Union added a credit card account to my credit profile. I do not have any accounts with Navy Federal Credit Union, nor have I ever. A new address was added to my credit profile XXXX XXXX XXXX XXXX, Texas XXXX I have never lived at this address, nor have I ever. I do not know anyone who lives at this address. I called the management office of this apartment complex to inform them that my credit profile reflects this address but that I did not authorize that and confirmed that nobody with my name has a lease there or has ever had a lease there. 

I am a victim of identity theft. Since the last round of identity theft I have filed a police report with the XXXX Police Department. The report number is : XXXX Please make a note that I will never open any accounts with Navy Federal Credit Union - and if I ever were to do business with them I would do it in person. Anything opened online and or over the phone or by mail or by other means not personally physically inside of an office is NOT me. Please block my social security number from your system! 

I have attached a copy of my photo ID and my social security card. 

Please communicate with me in writing only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I went to the bank of America on XXXX XXXX XXXX in XXXX GA on XXXX/XXXX/16 i in the afternoon when everyone in the bank started to XXXX.I complained to the manager that they was a problem.The bank was evacuated after about 30mins and people people started to XXXX vigorously outside and paramedics and police were called in. 
I left to go home only to end up in the emergency where I was given a XXXX and told to get a prescribtion.I got a bill from the hospital which I took to the bank and I was given a number to call and I did but they told me the manager had to make a complaint I went back to the manager who told me to go call the number I called XXXX XXXX who told me to call your agency.I want my bill paid and also a settlement for suffering and 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 explanation