milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Who m It May Co ncern   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC S EC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Who m It May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) liste d below are as follow : Please update to the correct address  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  Have enclosed  XXXX  bills PLEASE UPDATE MY CUREN T ADRESS AD DRESS :  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  BELOW IS NOT MY ADRESS  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit h 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that yo u investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I   request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the p ast six m onths.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the ite m ( s )  in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required  by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comp ly with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: RE : complaint number XXXX Today I received a copy from Nation Star Mortgage showing the fees that I 'm being charged for. First of all in XXXX 2006, my mortgage company was XXXX XXXX XXXX. I filed for bankruptcy on XXXX XXXX, 2006, because I was laid off from my job and was only working part time until I found a new full time job. I did receive a letter from XXXX XXXX XXXX stating that I had 90 days before my home went into foreclosure. I then contacted an attorney and the foreclosure was STOPPED because I filed for bankruptcy. THERE WAS NO SHERIFFS OR ANY OTHER FEES THAT WAS CHARGED WHEN WE WENT TO COURT IN FRONT OF A BANKRUPTCY JUDGE! I can either contact my attorney or the Federal Bankruptcy Court to prove that these fees were NOT REQUESTED BY XXXX XXXX XXXX. These are NEW ADDED FEES that XXXX XXXX and or Nation Star have just added. XXXX XXXX  was n't even the lender of my account in 2006. Why are these new fees coming up after 11 years. I have my bankruptcy discharge papers and I can prove that these added fees were not on my papers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: XXXX College XXXX campus XXXX XXXX XXXX XXXX. 
XXXX CA XXXX I believe I have Genesis Loans which is now XXXX XXXX XXXX XXXX and would like to know if they are included in the CFPB settlement.

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 09-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Upon enrollment into a graduate program, my loans were automatically entered into deferment status. I did not request a deferment, nor was I asked if I wanted to defer my loans. Additionally, it took three different calls to speak to a real human being. The IVR hung up on me twice.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was being charged {$2000.00} a year for auto insurance with XXXX XXXX which is outrageous. They raised my premium due to an accident that was clearly not my fault. 
So, I found a policy with identical coverage for {$1100.00} a year and the new insurance company started on XX/XX/XXXX. My insurance with XXXX was paid to XX/XX/XXXX. 
I DID NOT authorize XXXX to continue my coverage and it should have been cancelled for non-payment and instead, they chose to continue my insurance WITHOUT my authorization as I just found out over this last weekend by receiving a notice from a COLLECTION Company! This is WRONG WRONG WRONG. 
All 3 of my credit scores are VERY HIGH and I have worked very hard for that. This is injuring my credit history and XXXX XXXX ( Who is the Insurance Broker ) need to correct this and have it removed from my credit history.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
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: ChexSystems as fraudulent information on fraudulent accounts and they will not give me my credit report from ChexSystems I disputed over the phone with a ChexSystems customer service who is very belligerent and did not speak that much of English they are causing me not to have a bank account with false and fraudulent information I would like them to remove every single bit of information on my ChexSystems report every one of them it is fraudulent

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 04-03-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: well my concern is about my credit report I ask the company XXXX XXXX Equifax send my credit report in internet free do n't work for me I thinking they discriminate me my problem was with XXXX XXXX XXXX they send me to collection in XX/XX/XXXX this happened has long time a go let me know you can help me thank

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I requested a charge back to my credit card. The charges totaled {$14000.00} for services that were never completed and that were falsely represented by XXXX XXXX XXXX. 

I hired this company and paid through a merchant account named XXXX and have spoke to them as well. They informed me they were aware that this company owned by XXXX XXXX was recently in court practicing law without a license and has had serious criminal history regarding violent offenses and illegal check fraud. 

The services I hired him for were never completed, and not of legal authority by XXXX XXXX. The services were a fraudulent " debt remedy '' process that I soon found out from XXXX XXXX ( the district attorney at the Colorado Supreme Court who found him guilty ) that they are not legally sound practices, nor are they going to be able to " remedy '' my debt as they had claimed. 

I have provided Chase Bank with all supporting documents from XXXX XXXX XXXX showing what I had paid for as well as proof of communication from XXXX XXXX stating that he was going to provide a refund. This refund never happened and he is now on the run and hiding from the FBI. I also provided them with multiple documents from the Colorado Supreme Court proving that this happened to me and several other victims of XXXX XXXX XXXX. 

OnXX/XX/XXXX, I received a letter from Chase Bank stating that they found the charge to be valid and that they would not be able to issue a charge back for the fraudulent services that I was lied to and deceived into. 

On XX/XX/XXXX, I went and spoke to an associate at a local Chase Bank branch and explained to him my situation. He initiated another claim and helped me submit all supporting documentation and told me that it should be more than enough information. 

On XX/XX/XXXX, I spoke to the disputes department at Chase Bank and was told that my case was still under review. 

It is now XX/XX/XXXX, six months after I initiated this second dispute, and it still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XX/XX/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 10-03-2017 about Debt collection (Medical debt) with Aargon Agency, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received this letter stating I was placed in the collection agency by XXXX XXXX, whom Ive never done business with.

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 08-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My problem is with the servicer of my federal student loans, FedLoan Servicing. I just finished up a XXXX in XXXX for XXXX and am currently in a 16 month XXXX program in which I am required to work 60 hours a week without pay as part of my training to become an XXXX. I have a wife and XXXX children and we are living off of savings and loans. I applied for Income Driven Repayment back in XXXX 2017 and I have heard nothing about the status of my application. So far, the only thing that has happened is that I am being billed for the full payment amount for two of my loans. I have called and sent emails. No one ever responds to my emails. I received one automated email reply that had nothing to do with my specific situation. On the phone, the reps are sometimes unhelpful, difficult to understand and give conflicting information. One of the reps I spoke with on the phone several weeks ago told me she would enact a temporary {$5.00} forbearance on my loans while the IDR application is being processed. My payment amount due is still the same ( {$460.00} for one loan and {$140.00} for the other ). The payment is coming due in 10 days and no action has been taken. I spoke with another rep who told me to just pay {$5.00} immediately which would lead to an expedited processing of my application. So far, this action has failed to yield any results at all but, to be fair, it has only been a couple of days. I have no correspondence to attach since all of my communication has been over the phone ( the company does not respond to emails ). My IDR application was submitted through the federal government 's site, StudentLoans.gov. I am attaching my loan bill showing the {$5.00} payment I made as advised by one of the reps over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MS).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In XXXX, I consolidated all my loans with Navient and was approved for the ibr with XXXX dollar payments for one year.. After, currently reviewing a copy of all XXXX credit reports I saw XXXX open accounts. I immediately contacted all of the original loan holders and I was told the loans belonged to Navient and any additional reporting was done by Navient.. I recently contacted Navient in XXXX and sent all the appropriate documents and a copy of my credit reports.. I never heard anything from Navient..I spoke with another Supervisor on XXXX/XXXX/2017 and I was told to furnish the documents and they would correct the reports which should show a Credit score increase. I also, spoke with Navient in XXXX about my loan currently rising on my credit reports, she said it was from the interest. I was advised to pay on the interest.. I immediately made the payment but when I received my report in XXXX the payment did n't reflect the balance and it had risen by XXXX ... I also asked about other options as far as how to get the loans payments to reflect on my reports and I was told that they would immediately. I also asked about my loans been forgiven since I own a non-profit business which is a service. The rep told me that they were not going to grant me any type of loan forgiveness and I was lucky to be have granted the ibr ... I have read the complaints against Navient buying, harassing consumers and negatively reporting inaccuracies on consumer reports. The information that was explained to me was n't the results that I am /expecting working with a company.. I could have chosen any agency to handle my loans but I chose Navient..I thought I made the best decision but per the news Navient is a fraudulent company who chooses to make it hard for consumers to become debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Interest Rate for Federal Student Loan Consolidation is too high! Based on how much I 've borrowed to pay for US. standard college costs and how much it has accumulated in the past years, it is unrealistic for any American citizen to pay their student loan balance within a reasonable given time frame. Based on an income-driven payment plan with regard to interest rate, my total balance for my Federal Student Loan Consolidation is almost doubled. Now imagine millions of Americans facing the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I opened account with discover over 6 months ago was approved with  XXXX  credit limit I made all my payments on time with this company and all my other credit card company 's. my balance was close to  XXXX  and out of the blue I received an email stating that I was close to my limit. I check my statement   XX/XX/XXXX   it said  XXXX  but    XX/XX/XXXX    I received email stating be cautious I close to my limit. I called immediately at   XXXX   XXXX   to find out how  XXXX  disappear was advise no agent till Monday was available to help me with that question. I called and recorded the call and attached it for your records I because of inquires which I got a new car and had my other car paid for. And because of my good history new company offer me cc and because I accepted them I was lowered without letting me know. My main reason im upset they going to lower my score more because going from a 75 % to 100 % also lower my credit line affect my score. I wish they would of froze it. My income still good to my credit ratio so really think it been unfair decision.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 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 information incorrect

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

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with JH Portfolio Debt Equities, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XX/XX/XXXX2016 I filed FTC Report Number # regarding identity theft for being billed and paying medical debts that i do not owe under my married name. Here I am having this issue again under my maiden name. This fraudlent billing seems to follow where every my step son lives,. First, in XXXX and now this bill is coming out of XXXX. He just left XXXX. I believe there is some type of connection. I followed the FTC recommendations for identity theft to prevent any further issues. I just received 2 bills in the mail today for the same amount with different billing numbers basically for the same ambulance company. The bill that was generated by this collection company changed the name of the ambulance service some. I do not owe anyone any money that I am aware.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have a closed account with American Express. I have been making my monthly payments. XXXX is now harassing me at work. I contacted American Express and although I am making payments directly to them they said there was nothing they could do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX and XXXX were deleted and then reinserted back on my credit 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 explanation
Consumer complaint received 03/31/2018 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Basically every year I have to get labs done through my doctor for my XXXX, and I pay the doctor for the labs. but the lab company " XXXX XXXX '' is double dipping the bills. They charge the doctor, the doctor pays, and then they send me a bill for the same labs the doctor payed. Now they got the accounts in collection, and they mess my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CHASE CARD RAN MY TWICE ON XXXX XXXX AND XXXX IN ERROR WAS SUPPOSED TO BE SOFT ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My problem is with Experian. They continue to show me in collections for a XXXX $ medical bill that was paid in full by insurance. The other credit bureaus have removed this mistake made by XXXX XXXX in XXXX XXXX. XXXX ) They also show a late payment for a vehicle that was paid in full. Payment was made to XXXX XXXX for over XXXX on a lease purchase. This was not an issue with other credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: error different names on credit report items not mine cra violation no knowledge po report # XXXX XXXX sent hpd

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is in reference to two complaint file with the CFPB ( Please see attached, I try to submit the notes below via " feedback '' however I kept getting the error message that the page was not found.   Complaints #   XXXX   and  XXXX  Both companies alleged to have sent the results summary was sent to of you for review On    XXXX   XXXX  2017 ,  However as of today    XXXX  2017     I have never received anything from USAA or  XXXX . They have validated the debt with  XXXX  without providing any supporting documents. As listed on the complaint files, my mailing addresss is :  XXXX ,  XXXX     XXXX   XXXX   XXXX   XXXX   , CA  XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation