milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I began receiving XXXX XXXX XXXX benefits beginning XX/XX/XXXX. Soon afterwards I applied for a discharge of my ( FFELP ) loan based on total & permanent disability from XXXX XXXX. I recieved noticed ( XX/XX/XXXX ) that my application had been received & was complete. It also stated that my loan had been transferred to the guarantor who would review my application & make a determination of eligibility. The next notice regarding my student loan is dated XX/XX/XXXX & indicated that the Dept of Education intended to collect my defaulted student loan by Treasury Offset of my monthly XXXX XXXX  XXXX benefit. I requested a hearing in this decision & received notice stating that in XX/XX/XXXX Nelnet approved application for disability discharge, but had reinstated the loan in XX/XX/XXXX due to not receiving required documents during the 3 year post-discharge monitoring period. As previously stated, I did not receive any communication from Nelnet or the Dept of Education during the time period XX/XX/XXXX - XX/XX/XXXX. After numerous phone calls I was informed by Nelnet that the 3-yr post discharge documents had been mailed to the address where I resided 18 yrs ago ( XX/XX/XXXX ). I have moved 5 times in the past 18 years. I have lived at my current address since XX/XX/XXXX, which is the address where the the XXXX XXXX notice regarding my XXXX discharge application was mailed to. I recently submitted a 2nd XXXX discharge application which included a complete copy of my original SSA Notice of Award indictating that my XXXX case would be reviewed in 5-7 yrs, which is the time period required to be eligible for the loan discharge. I have received notice from Nelnet ( XX/XX/XXXX ) stating that my application had been received & was in review ; Nelnet notice ( XX/XX/XXXX ) stating that I failed to submit valid XXXX XXXX XXXX documents.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
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: Several months ago, I filed disputes for several charges on my XXXX XXXX credit card for the following companies : XXXX for {$1300.00} and XXXX XXXX for {$1000.00}. After the last time I contacted your agency, XXXX XXXX opened the disputes and provided provisional credit to my account. I would like someone to communicate the status of my disputes transactions with XXXX and XXXX XXXX. I would like to know the status on these refunds and when can we expect a resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Account opening, closing, or management

Complaint: I filed XXXX $ owed from a checking account in my chapter XXXX bankruptcy that was discharged almost 20 months ago. us bank is still reporting this as money owed by me in the XXXX. This is preventing me from moving forward financially and becoming a member of any bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE SUBMITTED SEVERAL DISPUTES TO EXPERIANREGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE XXXX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EXPERIAN.

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 06/30/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I do n't have a contract with Diversified Consultants or the original creditor nor did I receive a written notice of my rights to dispute this debt before it was added to my credit reports. The law states that a creditor must send written notice of the debt that includes the amount of debt, the name of the original creditor to whom the debt is owed, and a statement describing my right to dispute the debt. I have no knowledge of this debt. Received correspondence from Diversified Consultants via the CFPB portal on X/XX/2017 that they would cease collection efforts and remove this collection from all credit bureaus. This morning, I received a credit monitoring alert that this collection was just added back on without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I opened a Loan with XXXX XXXX XXXX XXXX/XXXX/XXXX for a used XXXX Paid in full never late and it reports to XXXX and XXXX XXXX  but Equifax removed it along with other positive items from my credit report only to report negative collection items with around 19 inquiries due to identity theft. According to the FCRA the XXXX XXXX XXXX Auto loan needs to be reporting and the collection medical bills along with the inquiries need to be blocked since I filed an Identity Theft report and my file is being improperly handled by Equifax office of consumer affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Billing disputes

Complaint: Fraudulent charge put on account XXXX/XXXX/2016 for XXXX XXXX {$540.00} I contacted CITI Bank who cancelled my card and sent me a new card with a new account number, but have not removed the fraudulent charge.

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 monetary relief
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.

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 04-10-2015 about Bank account or service (Other bank product/service) with Comerica (WY).
Issue: Using a debit or ATM card

Complaint: I was issued a debit card, not at my request, on Comerica Bank by the state of Oklahoma for my income tax refund. When the opportunity to use the whole amount of the card at a retailer presented itself, I attempted to use the card. When the card was rejected, the retailer called the number on the back of the card. I spoke with " XXXX '' who confirmed that the amount of the card was the same amount that was being charged ( {$950.00} ) but who said that if I charged that amount, the transaction would be rejected for insufficient funds! When I asked how that was possible, he could not say. When I asked what amount could be charged, he would not say. XXXX then transferred me ( with a long on-hold wait ) to a woman in " finance ''. She told me that my balance was no longer {$950.00} because of fees charged to the balance. When I asked her what fees had been charged, she said I was only allowed XXXX free calls to learn my balance. When I pointed out this was the XXXX call ever made and it was not to learn my balance, she went to what turned out to be a stock reply : " Did you read the terms and conditions you were sent with the card? '' When I asked who was charging fees to the card, she insisted it was the state of Oklahoma. ( I would be fairly certain it was Comerica Bank! ) After several more rounds of refusing to tell me what charges had been made against my account and not telling me my balance, she finally told me that my balance was now {$940.00}. I asked if I could now charge {$940.00} on the card, she said I could not because my balance was now {$940.00}. I successfully charged that amount. I believe that Comerica Bank unjustly charged my unwanted debit card {$6.00}. I still do not know why. There must be many other victims of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (NC).
Issue: Shopping for a loan or lease

Complaint: CHASE AUTO HAS PUT XXXX INQUIRES ON MY CREDIT REPORT AND THEY ARE UNKNOWN I HAVE NEVER TRY TO GET ANYTHING FROM CHASE AUTO

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Application, originator, mortgage broker

Complaint: I was solicited by NationStar Mortgage to possibly reduce my rate by refinancing my current mortgage with them. I responded to their offer and was contacted by XXXX XXXX from Nationstar Mortgage XXXX Greenlight Loans XXXX. A rate of 3.75 % and the fees of {$750.00} for the loan were quoted verbally. I agreed to the rate and the fees, answered personal questions and consented to having my credit rating verified. I started to assemble necessary documents and was then informed by XXXX XXXX that the fees were now {$950.00}. I have been subject to bait and switch tactics before and want to alert everyone to NationStar 's predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Conventional fixed mortgage) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: CIT BANK IS REPORTING NUMEROUS LATES ON THE MORTGAGE THAT THEY DID NOT SERVICE IN XXXX. INDIMAC THE ORIGINAL SERVICER OF THIS MORTGAGE NOTE HAD APPROVED THE MODIFICATION AND HAD DELETED ALL LATES FROM OUR REPORT AS THEY PROMISED BUT CIT IS REPORTING US BEING LATE FROM XXXX XXXX XXXX. THEY SENT A LETTER STATING THEY DID NOT RECEIVE A PAYMENT FOR THOSE MONTHS .... WHY WOULD WE PAY CIT WHEN OUR MORTGAGE HOLDER AND SERVICER WAS INDIMAC WHO DID RECEIVE PAYMENTS ( ATTACHED PROOF ) CIT DID NOT BUY THIS LOAN UNTIL THE END OF XXXX SO THEY SHOULD NOT BE REPORTING ANY PAYMENT HISTORY FOR THE LOAN THEY DID NOT HAVE IN FIRST PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX , XXXX reported that I have a credit score of XXXX which XXXX XXXX denied my car loan when XXXX has me at XXXX .I 'm stating a formal complaint on them. this is a crock they should be shut down

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 12/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Rewards

Complaint: On XXXX XXXX I decided to start shopping for flannel. Shortly thereafter I noticed there was a really attractive offer for an L.L. Bean Visa credit card, offered by Barclays. The specifics of the attractive offer was as follows : " Earn {$100.00} in L.L. Bean Coupon Dollars after you spend {$250.00} within the first 90 days of account opening '' This was great! I was tempted, and then I decided to go for it -I clicked on the link with the sign up bonus, went to the Barclay 's website, and on XXXX XXXX was approved for the credit card. Over the ensuing months I spent more than {$250.00} on L.L. Bean clothing, expecting to receive a {$100.00} in time for the holidays to get my mom something nice. However, when I sent a secure message to Barclays on Monday or Tuesday this week ( XXXX XXXX or XXXX ) asking about the status of the rewards, they claimed they had no records and could not help me. 

I expressed my surprise and pointed out that I had expressly acquired the card based on this offer -I considered it to be a bait and switch to deny me the offer. However, despite several calls, Barclays decided not to fully assist me, claiming that there was no way that similar offers could have been made within the recent past. I did my own research to show several occasions of similarly worded offers since XXXX 2016, exact phrasing was markedly similar to the advertisements show to me when : 1 ) XXXXwww.llbean.comXXXX XXXX XXXX 2016 -this is by far the most similar, except for the offer being {$50.00} statement credit rather than the {$100.00} in coupons shown to me XXXX 2 ) http : XXXX ( XXXX XXXX 2016 - showing that similar offers have been made in the recent past and in fact within two days my sign up XXXX 3 XXXX ( XXXX 2016 -again, illustrating similarly structured offers ) There are similar offers throughout 2016. I am extremely disappointed to have been taken like this -I thought I was a prudent, financially careful person, but Barclays has proved me wrong by illustrating just how ephemeral their offer to me was.

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 10-02-2017 about Debt collection (Medical debt) with Adler Wallach & Associates, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The debt was removed from my account because of identity theft and debt was not valid. Debt was placed back on my account did not recieve notice or anything. This debt also violates my HIPPA rights as well. The company does not respond and keeps placing it back on my XXXX credit report. AWA collections and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MERCANTILE ADJUSTMENT BUREAU, LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX & XXXX, are trying to bill me for something I paid and was a dispute over XXXX years ago!! They have records of me calling to state the people living in the basement apartment was connected to my XXXX apt !! The landlord kept lying and did nothing and when they moved out I got stuck with the bill. After some years I out the XXXX & XXXX in my name and then they stated I still owe this money! This should not be on my credit report at all!!!!! I actually overpaid them and will attach the letter from my Attorney sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Payday loan) with National Asset processing LLC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Impersonated and represented herself as XXXX XXXX XXXX XXXX XXXX. Threatened my work. Numerous harassing phone calls to my work. Will not stop. No debt validation letter by U. S. mail. No physical address. Said she was XXXX XXXX. Think it is National Asset Processing or XXXX XXXX XXXX XXXX. Also a XXXX XXXX. XXXX. XXXX.

Company response to consumer: Untimely response
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (TX).
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: I have disputed items to XXXX for six months now, which they have fixed some of my issues. I am a victim of Hurricane Harvey. My credit is very important to me. I called everyone of my creditors right after the storm. They all agreed to postpone my payments to recover from the storm damages. Now months after the storm, XXXX is reporting I have late payments on my credit report when I know I contacted each creditor and arranged an agreement. And also, XXXX is reporting I have missed payments on student loans that are duplicate accounts. All of my school loans have been deferred for years now, because I am still in school. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax online dispute services provides an option to DISPUTE INQUIRIES. 
When I select and dispute the inquires; it generates a report for example XXXX and XXXX but in less than 24 hours they close the report saying that the inquiry is factual without requesting the company to provide that the inquiry was authorized. 

They are misleading us and give us to think that we can DISPUTE ONLINE but we cannot. 
Its FALSE. I have requested again to have the inquiries removed due to that I did NOT AUTHORIZE. Also, to mention that they sent the companies a request of my report and the companies fail to provide evidence that I have authorized the inquiry for example, in report XXXX 

I have contacted the companies on my inquiries but due to that they are soo BIG.. They lack to provide me evidence of my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Capital One reports to the three credit bureaus that I owe money.  I did not open these cards nor do I owe any of these companies any money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: It is being reported on my credit report as an " open '' collection. This has been filed and discharged under bankruptcy in XX/XX/2014.

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 09/30/2016 about Bank account or service (Checking account) with CrossCheck, Inc. (IA).
Issue: Problems caused by my funds being low

Complaint: I had a check that bounced and but when it was re-deposited it cleared. A company by the Name of Cross Check assessed a fee. They have put a tag on not only the account that the check was written on, but also my other checking account. I would be happy to pay the {$35.00} fee and be able to write checks, but when I try to contact them, they give you no option to talk with someone or how to pay the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: Citi deleted XXXX Thank YOU pts earned from my AT & T Universal Reward s Card in 2015 without notifying me of expiration or Terms & Conditions. To the contrary a Citi phone rep told me the points would NOT expire as long as I maintained at least XXXX active Citi credit card via charges every year. In fact, I 've had multiple charges every month on an XXXX Citi credit card. Further, I never received notice my points would expire or did expire AND the ThankYou Rewards Terms & Condition do not state points expire due to not using the card earning ThankYou points. Yet the points expired and neither Citi credit card OR ThankYou supervisor would reinstate the points

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with KEYCORP (OH).
Issue: Fraud or scam

Complaint: We had an electronic check pay on our payroll account. It was not for anyone on our payroll and the " copy '' was not produced by our company.The same person, XXXX XXXX was able to have 3 electronic checks clear on our payroll account. We contacted the police and filed a report. We filled out Domestic Collections Fraud Packets with XXXX XXXX bank ( our bank ). Two of the fraudulent checks were paid back to us in XX/XX/XXXX. One check was for XXXX and the other XXXX. We still have a third check which we have not been reimbursed for. It's for XXXX. I contacted XXXX XXXX and was told that the check was drawn on Key Bank. I was also told that they had 120 days to respond. It has been longer than 120 days and no response. The check I am waiting to be reimbursed for is for {$970.00}, it has a check # XXXX associated with it. It was dated XX/XX/XXXX and posted on XX/XX/XXXX. We filled out our fraud report on XX/XX/XXXX. Our police report # is XXXX with the XXXX Police forgery/Theft/NS department.

Company response to consumer: Closed with explanation