milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates. 

XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A few years ago I filed a complaint with FCC and fraudulent billing from XXXX XXXX. They were caught XXXX billing my account more then XXXX times. XXXX XXXX closed my account and issued me a refund and refunded all deposits. A XXXX later I started to receive bills from other companies over a {$99.00} charge. This charge was not accurate. I should never have been charged additional months when the account was closed and I was with another company. In addition, if I owned them money, why would n't they deduct the charges from the XXXX dollars that they over billed for. 

I filed complaints and I thought the issue was resolved, until 3 weeks ago. I found the " charge-off '' from XXXX XXXX on my credit report. Today, I was surprised by a letter from Jefferson Capital Systems LLC stating they are taking over my XXXX XXXX account. There is XXXX reference to the amount on the account numbered : XXXX. 

1. I do not owe XXXX XXXX any money because my account was settled in full and I was issued a reimbursement for their XXXX billing. 
2. If this bill has already been listed as a " charge-off '' how can another company take ownership over the account? 
3. I have already had my credit destroyed because I had the mistake of working with XXXX XXXX. They retaliated against me because I filed several complaints. 

XXXX XXXX has violeted my Fair Credit Report Act protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2016 about Credit reporting () with CORELOGIC INC (IN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XX/XX/2016, I filed for Chapter 7 bankruptcy protection, which any and all debts were included. A copy of my discharge was sent to all credit bureaus on XX/XX/2016. 

On XX/XX/2016, I applied for a loan and was given a rejection with Corelogic/Teletrack listed as a data furnisher, a data furnishing company I had never heard of before. 

Under the U.S. Bankruptcy code, all debts incurred prior to filing are considered discharged regardless if remembered or not. To the best of my ability, all debts were listed and they were all successfully discharged. 

Whoever Corelogic is, whatever files they have on me, and whatever kind of nefarious practice they are running are concerning to me. 

The case number for my bankruptcy, which was filed and discharged successfully in the XXXX of Indiana, is XXXX - identification has been uploaded.

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 04/18/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I booked a hotel  through American Express Travels for the  amount of {$1100.00}. When I looked at the charge through my card it was well over {$1100.00} and charged in the amount of {$6600.00}. Upon further investigation, I found out that these charges were for services I did not obtain or acquire. Also I was not at the hotel at the time of check out, so I did not know what got charged. Also found out someone used a fraudulent signature to authorize these charges.     These charges should and would require receipts and or signatures, this was authorized without my consent or knowledge. I informed the front desk of not authorizing any extra services, room services, amenities, or charges to the room ...   These charges are fraudulent ... Check-out signature was fraudulent and there 's no proof of charges to the room ...     I would gladly pay for the room but not the over charges that occurred without my consent and services/products I did not receive ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I think I disputed account but not 100 % sure. I do know that I never received any communication from collection agency ( certigy ). I did receive communictions from a different collection agency asking for payment on XXXX returned checks from XXXX which I paid XXXX 2013. Certegy is reporting that the account is open and that I have XXXX late pays. Certigy should be reporting acct closed and no late pays. I never set up any payment plan with Certigy or first collection agency that was assigned my account. I also requested validation and received no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: debt collector refused to release lien on my property after I paid There was not a description above that matched my problem! 

the agreed amount in full. I paid debt as requested on XX/XX/XXXX and per CA laws should have gotten a release filed with County in XXXX days. 
I have contacted them by phone and in writing at least XXXX times without any response. 
It is now XX/XX/XXXX XXXX days since payment and no release provided by debt firm. Debt firm says they do n't have a substitution of judgment but per superior court records they got one on XX/XX/XXXX from XXXX collections ... previous owner of the debt ... there is no excuse for not providing the required release!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX incorrectly placed an account into collections for {$49.00} with Enhanced Recovery Corp. After seeing the collections account on my credit report, I called the collection agency and then XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me that this was a mistake on their part and they would have the dept removed completely. This was done in XXXX. 

Since then, XXXX XXXX XXXX has credited the {$49.00} to my account, which makes the balance zero, however the collection account continues to show on my XXXX credit report. After seeing this, I called XXXX back and they imformed me that they have requested Enhanced Recovery Corp to remove the collection account since it was a mistake on their part. 

Enhanced Recovery Corp has yet to remove this false collections account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ID THEFT! The account listed on my credit report by XXXX XXXX XXXX XXXX is a fraudulent account. XXXX XXXX XXXX is a bankrupt insurance company in California. I do not nor have I ever lived in California. The agent that XXXX XXXX XXXX XXXX says created the policy had his license suspended in Texas for fraud. Attached is my FTC ID theft report! Delete this tradeline off my report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2016 about Payday loan () with Navient Solutions, LLC. (RI).
Issue: Can't contact lender

Complaint: I continue to get calls 2-3 times a week from : municipal services Bureau the number they call from is different from the number they request a call back. The names change on every call. I have called them back and they want my personal info to confirm payday loan ( that I did not apply or receive ) I spoken to one person months ago and advised them not my debt, as well as according to RI Banking Division the company, name changes all the time, is not licensed in RI and there fore illegal. they have threaten to take me to court, garnish my pay and use vulgar language then call 6-7 times the same day. I no longer return calls or speak with them. I have been a victim of identity theft and fraud and am still in the process of disputing credit report and contacting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was told by two representatives that the late fees would be fixed but then today I spoke to a manager and she told me the first late fee will not be fixed. I was charged a late fee for the month of XX/XX/XXXX. I paid the fee early in XX/XX/XXXX on XX/XX/XXXX. They took the payment as an additional payment and did not apply it to the next month because I paid the payment ahead. I was not aware of this when I made the payment. 
When I spoke to the manager they may have also been confused because I had also been told by representatives other reasons for the late fees. She did tell me they would only fix one. I will never pay Citibank early on my account now.

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 01/23/2016 about Debt collection (Medical) with JH Portfolio Debt Equities, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection agency and original creditor to not report my account to the credit bureaus in the exchange for XXXX equal payments of {$110.00}. After the first payment and before the second payment the collection agency reported the account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In 2013, I received a Form XXXX Cancellation of Debt from XXXX XXXX XXXX XXXX for a credit card. I paid the taxes associated with this amount on my XXXX 2013 income tax return. This amount was charged off by XXXX. Currently on my credit report the " Recent Balance '' states {$25000.00}. This is incorrect. The balance should be XXXX. The balance of {$25000.00} needs to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In 2015 I refinanced my home from XXXX on a 30 year 4.2 % ( {$980.00} apx payment ) to a loan to my bank at USAA on a 15 year ( 2.8 % ). The estimated payment to the re-financed loan was provided to me at {$1500.00}, and just three months into the re-financed loan I received an " Annual Escrow Account Disclosure Statement '' showing that the company failed to include {$6200.00} amounting to a change of payment from {$1500.00} to a new payment of {$2000.00} ( which is a very significant increase ). There were numerous additional problems in securing the loan that I reported to USAA 's executive resolutions department including it taking over 8 months to lock in a loan rate, identified by USAA to be numerous lost opportunities. This feels like a " bait and switch '' in which I would never have agreed to a {$2100.00} mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called CASH LLC. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX BANK OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with CASH LLC XXXX XXXX Bank or any of their affiliates. 
I am requesting that CASH LLC and XXXX Bank or any of their affiliates should remove such negative and false statement from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I just found out that I have been charged for a credit protection plan on my Macy 's credit card. As far I know I never consent that. I asked them to show me proof of my consent and they said they do n't have the information available so I request a full refund. The costumer service representative gave me another phone number to dial XXXX.
I contacted the number and found out I am enrolled since 2008 ( since I open the account ). I told them I wanted It cancelled immediately and also asked for reimbursement and they said it must go through a review process and gave me a confirmation number XXXX. I do n't understand how this separate company that has " no '' affiliation with macy 's has the power to attach fees to the account that in my case can be only used at the store.
I think this an scam and I want the full refund of all fees they have charge for this unauthorized protection plan.
They are not even able to let me know the total amount because can only see the last two charges and online I only can see the last 5 months.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via XXXX XXXX, I had a XXXX via XXXX + XXXX on my TransUnion, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my TransUnion dropped 25 Points to a 515 ; and My XXXX dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.

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 02/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had received what I believed to be a generic, private loan from XXXX XXXX to complete my XXXX XXXX XXXX degree at XXXX XXXX XXXX XXXX in XXXX XXXX, California. Since then I have gone through many life changes and had struggled with my health and attempting to move forward with my career. After failing to sustain a living with my health interfering in living a productive life, I decided to apply for XXXX with the federal loan program XXXX. Once I received a federal XXXX approval, I proceeded to apply for the same request with my XXXX private loans : XXXX XXXX and Navient ( who had purchased my loan from XXXX XXXX ). XXXX XXXX approved my request, while Navient forwarded the request to a company called XXXX for review. Despite the federal approval and re-confirmation of my doctor certifying me as XXXX, Navient dragged on the process of reviewing my application. After 8 months of back and forth and following their request for notes and answered questions, I received a letter which can only be assumed as a denial of my XXXX request. There was no instructions on how to proceed, and no clarification of what they were basing their statements on. Their statements also contradicted themselves and made little sense. Navient and XXXX are sending me with inconsistent information from one to the other. They are being completely unreasonable on the standard for discharge and the delays throughout the review, during which interest has continued to inflate. I ca n't work enough to support myself and they are not being compassionate or realistic about my ability to use the degree that I borrowed the money for. I have a difficult time with my XXXX and I am scared to argue the points alone. I have found some legal help through the county services, but there seems to be little hope in this uphill battle.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I put an fraud alert on all  XXXX  credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.             XXXX   :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX    XXXX    XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  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 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Conns company continues to call me XXXX times since XXXX XXXX to XXXX XXXX, when answer it 's either no one or a recording. Then they started calling my brother who 's number was never listed as a reference or anything on the paper harassing him. The account was not even XXXX days past due!!! When I contacted them to tell them not to call or bother my brother they lied and said they did n't and that phone did n't exist in their account then they kept calling and he told them that the number they were calling was n't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2015 about Bank account or service ((CD) Certificate of deposit) with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Deposits and withdrawals

Complaint: I have a 35 year old CD ( Issue date XXXX XXXX, 1980, initial deposit amount of {$200.00} and 12 % a year ) and I need help accessing the funds. The CD is in my great grandfather and great grandmother 's name ( XXXX. XXXX or XXXX XXXX XXXX ) and the issuing bank has been acquired multiple times in the last 35 years. The initial bank was XXXX, according to the FDIC 's website, after a string of acquisitions, the current institution is HSBC Bank USA , National Association. Please contact me with the best possible action to take to get access to the funds. Thank you.

Company response to consumer: Closed with explanation