milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Credit Report Hard XXXX Hard XXXX  Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX / Credit Report Hard XXXXXX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX7 XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX Credit Report Hard XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Credit Report Hard XXXX XX/XX/XXXX,XX/XX/XXXXXXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX XXXX Credit Report Hard XXXX Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX  Credit Report Hard XXXX XX/XX/XXXXXXXX Credit Report Hard XXXXXX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Report Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX I have a fraud alert on my reports because XXXX was hacked and my information was given out. I didn't make these inquiries or even start any of these.

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 Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: My husband and I opened a Citigold account together as we received a mailer offering XXXX XXXX for opening the account and meeting certain requirements. We spoke to a representative to confirm that we were both targeted for the offer. The requirements included depositing {$50000.00} into the account, doing on line bill payments for two consecutive months and using the debit card for a {$1000.00} spend. BothXXXX my husband and I did these requirements together. He received his XXXX miles ( although not without a struggle ) - but I have not received mine. The bank is now trying to tell me that I was not targeted

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 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX petty deception still continues?! # I 'm not paying them or vantage sourcing, now these petty criminals referred it to north shore agency. SIMPLE, these petty XXXX thieves breached california laws of good faith and fair dealing. Especially their stuck on stuck balance billing. e.g. these idiots attempted to _fraudulently_ charge me an early termination fee for ( trying ) a XXXX tablet I sent back _dis-satisfied with and that phony 2 years contract I NEVER agreed to. Took these clowns 2 months to fix their intentional deceit/blunder. In the mean-time continue to balance bill me on this stupidity. These superficial derelicts need to be personally held accountable!!!!! Using their crammed/overcharges outrageous profits to pay there sloppy fraud and deceit. Is that XXXX paid out?! # I do n't owe verizon anything. What have you done with my formal complaint?

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: NAVIENT constantly puts my loans in default stating that I never " submitted '' paperwork. I have proof that I applied for an IBR on XX/XX/2016 reference # XXXX through the website studentloans.gov. Today is XX/XX/2016 and I received a call from NAVIENT stating that my loans are in " default ''. This is a reoccurring issue that I have had with Navient and I find it criminal because every time they pull these issues- I am penalized and my balance just continues to grow. I contacted XXXX as well as the om buds man for XXXX. They were appalled to hear of this. I am putting this out there because I feel that NAVIENT takes advantage of people and just tries to make MORE money off of people. It 's a complete outrage that I have proof that I turned in everything I needed and I have talked to 3 different people from NAVIENT- which everyone of them gave me different answers on what I needed to turn in. Meanwhile I am being penalized. I now have to go through the process AGAIN for something that should have been handled in XX/XX/XXXX AND they do n't want me to call to verify that they received my paperwork. The supervisor that I spoke to said that if I do n't hear from him- just assume that all is well. My guess is that my account will be back in default again- what do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (IN).
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: This is to show that Nationstar Mortgage that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted Nationstar 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that Nationstar will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by Nationstar. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. Nationstar can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from Nationstar . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. Nationstar ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The purported credit card debt that Chase Credit Card Services is reporting on my credit report became delinquent in XX/XX/XXXX. New Jersey State law has a 7 years Statute of limitation for the reporting of Credit Card delinquent debt to the Credit Reporting Agencies. Chase Credit Card Services needs to remove all derogatory information from my Credit report, because the information that Chase Credit Card Services is reporting on my Credit report statutes of limitation has already expired XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (VA mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech failed to help me with my loan modification- they called it loss mitigation request. They had me send them all types of information for three months or more, telling me I did not send papers which I know I sent. While going through this, they kept increasing my loan amount. They even stated that I did not pay my escrow account, when I actually had. They over charged me and I had to pay more that month ( By the way, they did the same thing the year prior and I had to wait a month to get my money back. ). 
On XX/XX/2016 I had to pay {$1400.00}, then XX/XX/XXXX, XX/XX/XXXX I had to pay {$2500.00} and that continued until XX/XX/XXXX where it increased again. While this was occurring my loss mitigation claim was being ignored. On XX/XX/XXXX XXXX XXXX states she would escalate because all documents asked for had been turned in. Nothing happened. I contacted them again and XXXX XXXX told me the same thing. Still nothing. Then when I called I received a recording once I put in my claim number. No one called me back, after I left a message. 
I then had to refinance with XXXX because I could not afford the $ XXXX+ that my mortgage went up to. When I inquired why it kept increasing, first I was told my residual escrow account was added on. After proving I had paid it in full, I was told it was taxes. 
Recently, they sent a letter stating I was denied because I did not provide the necessary documentation. This was completely not true. I know of one other person that has gone through this, and she is is a completely different state.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: After Consolidation and repayment of my loans, I still have student loans that are paid, and closed reporting on my credit file please remove as this is serious hurting my credit status, and report only accurate information, also most of these loans reporting are XXXX plus and are requires by law to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery is stating I owe a debt of {$3700.00}. I do not have a signed contract with this company nor have I ever done business with them. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with Portfolio Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi I had inquiries that are on my credit report. All my inquiries were all removed from all XXXX CREDIT BUREAUS. Transunion, XXXX and XXXX ... They removed all inquires up to XX/XX/2017 and placed back on with in a week due to system glitch this against my rights ... They have affected me purchasing a home because the inquiries dropped my credit score

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 08/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Experian has XXXX on my credit report twice though it is the same account. The account was never mine and belong to my daughter XXXX XXXX, in which she has admitted to XXXX so baffle why Experian still has it reporting on my credit report. I have attached a notarized letter informing XXXX that this is her debt. I am again requesting for the fraudulent accounts to be immediately removed. I have submitted an incident report number for the XXXX XXXX XXXX Police Department previously. Also, I have sent a copy of my signature.

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 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This letter is to inform you that Experian, XXXX and XXXX have all failed to respond to my inquiry dispute letter that I sent certified mail on two occasions. I also disputed online. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, all companies received the certified letters which I have proof of delivery. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not by the consumer myself.
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX * XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX * XXXX * XXXX XXXX Thank you, 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 12/27/2016 about Credit card () with Alliance Data Card Services (NY).
Issue: Late fee

Complaint: I need for this bank to remove XXXX late payments that they have posted on my credit report. I am still in bussiness with them and I do n't remember ever paying late. Also, this is creating a harship in my credit and I love purchasing goods with all the cards associated with this bank. I believe is XXXX XXXX, XXXX XXXX, and New York and Company. I am still a good costumer and I should believe I should be given the forgivieness of thos late payments and to please be remove from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am a recipient of XXXX XXXX. My coverage renewal was mailed to me in XX/XX/XXXX. I had to fill out my XXXX renewal forms and mail it to : Mail Renewal Program, XXXX, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XX/XX/XXXX that I found out that I no longer had XXXX Coverage. So, my coverage was canceled from XXXX XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XX/XX/XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the XXXX XXXX office at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XX/XX/XXXX. The reason why this is important is because during the time when my XXXX care coverage had been canceled from XXXX to XX/XX/XXXX I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the Doctor is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX Claim # XXXX service date XX/XX/XXXX. My XXXX Account # is XXXX My XXXX card # is XXXX. I am requesting that XXXX or XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A medical collection bill I have been disputing has been duplicated by a new company. This debt is not owed and have never been validated ARS Account Resolution and XXXX XXXX XXXX XXXX are trying to collect the same debt for a company named XXXX XXXX XXXX I do not know who this is and have never received a debt vallidation letter

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 08/15/2015 about Debt collection (I do not know) with Nations Recovery Center (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Nations Recovery Center keeps calling my home from different phone numbers. I told them to stop calling. They have called from at least XXXX numbers : XXXX and XXXX. When I told them to stop calling they were rude and said they would increase the calls.

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 08-12-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Other

Complaint: On XXXX XXXX, 2015 I booked a hotel reservation on XXXX for the XXXX Hotel. The reservation clearly stated the cancellation policy was as follows " cancellations or changes made after XXXX ( mountain daylight time XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2015 or no-shows are subject to a hotel fee equal to the first night 's rate plus tax and fees. ". I received an email confirming this booking and this policy. After our travel plans changed, on XXXX XXXX, 2015 I went back on XXXX and cancelled the reservation. At that time I received an email from XXXX confirming the cancellation stating the following : " You have cancelled with full refund of deposit by hotel. If you have been charged a deposit or partial payments, you will be issued a refund by XXXX XXXX XXXX ''. On XXXX XXXX, 2015 I received a " Large Purchase Alert '' from American Express in the amount of $ XXXX from XXXX XXXX I called XXXX and informed them I cancelled the reservation. They informed me since the booking was made through XXXX I would have to contract them. I called XXXX and spent 3 hours on the phone with them. Despite clear emails stating the contrary they stated they unfortunately the reservation was non-refundable and there was nothing they could do. I also called American Express and explained the situation and they have said since the transaction was with XXXX and XXXX views the reservation as non-refundable there is nothing they can do to help me. American Express recommended I contact a " 3rd party '' for help. At this point neither XXXX or XXXX are taking responsibility and despite all my time and effort I have been charged the full $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: The credit reporting agency is making it extremely difficult for me to submit my police report for identity theft. They keep releasing my credit report without my permission, yet they require my id for disputes. It makes no sense. There are numerous inquiries that are unauthorized and accounts that are n't mine. They are also reporting an address that does n't belong to me and they refuse to update my report. They tell me I need to upload my documents, then they do n't allow me to upload my documents. They refuse to let me dispute illegal inquiries and an address that does n't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - is not my address and never has been. These accounts are not mine Show more Account name XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute cart Show more Account name UNIVERSITY OF XXXX Account number XXXX .... 
Recent balance {$3500.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$3500.00} written off. {$3500.00} past due as of XXXX XXXX. 
These inquiries were not authorized by me Show more Account name XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX CARD Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX Date of request 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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I submitted a complaint on  X/XX/2016    thay was resolved as a company error by    Rooms to Go.  I recently pulled a credit report that showed I was deliquent on a payment I never owed. Please reopen the case as it was not closed propeely before. This must be cleared from the reporting agencies in order to raise my beacon score.

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 01-03-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I got caught up in a scam which caused fraud to prevent me from getting a credit card or opening a bank account.

Company response to consumer: Closed with explanation