milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2018 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: Account status incorrect

Complaint: back in XX/XX/XXXX I trade in a XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX to XXXX, TX XXXX and was told by the dealer not to make XXXX payment because it would mess up the pay off amount. I also at the time did have possession of the XXXX which was being financed through XXXX XXXX. Needless to say I looked at my report and XXXX XXXX had me reported as delinquent for the month of XXXX despite the care not being in my possession. I disputed it twice with XXXX XXXX with no resolution. I also disputed it with experian and they came back saying XXXX XXXX is correct despite it showing on my credit report that I had another at that time frame. I call experian about this issue and they told me that XXXX XXXX was responsible and then I called XXXX XXXX and they placed the blame on the dealership. I feel that I have been the one did wrong during this situation. both companies were paid and I had something negative placed 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 06/26/2017 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: I have contacted these companies over and over again I have had my identity stolen and all these inquiries are plain out crazy. I have called and I can not get a representative on the line I have also did plenty of disputes and there response is it 's mines and it is not mines.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My husband was buying a car an without my permission they ran my credit. It was not me buying a car and i told the company XXXX XXXX i did not work an dont run my credit., but evedentlly they did it any way.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with Emerald AR Systems, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Its evident that Emerarld AR System do n't have proper documentation to collect this invalid debt. I do have access to files that were not signed by me, because I do n't recall signing any documents ; which is why I 'm requesting the documents that " I signed '' from Emerald AR System. I have the right to request documentation with my " physical signature ; '' as identity theft is at an all time high. Feel free to respond to this complaint with '' XXXX RELEASE '' - Medical records and or Documents signed by me. If Emerald AR System have a right to collect, they have a duty to produce legitimate validation. Until I receive documentation requested ; my HIPPA rights are being violated. **The attached forms does not show any signatures provided from Emerald AR System THIS IS NOT MY DEBT** I am aware of my rights. As such, under Section 809 ( b ) collection efforts must cease until verification is obtained- including pursuing  this debt through an authorized representative to collect on this alleged debt. At this time we will also inform you that your offices have reported invalidated information the 3 major Credit Bureaus ( XXXX, XXXX and XXXX ) and this action could constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any credit reports belonging to either of us by your company, the company you have authorized to collect or the company that you represent seven days  from the date of this notice, we will not hesitate in bringing legal action against you for the following : * Violation of the Fair Credit Reporting Act * Violation of the Fair Debt Collection Practices Act * Defamation of Character During this validation period, if any action is taken which could be considered detrimental to any of our credit reports, we will consult with our legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
If your offices fail to respond to this validation request within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my places of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be  done in writing and sent to the address noted in this letter by XXXX. 
This is an attempt to correct your records, any information obtained shall be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax reinserted a previously deleted collection for XXXX XXXX that was unable to verified per dispute " investigation '' results I received XXXX/XXXX/2016. I was just notified of the reinsertion via a credit monitoring alert on XXXX/XXXX/2016. However, Equifax reports the reinsertion date as XXXX/XXXX/2016. Either way, i received no notification from Equifax informing me that a previously unverified, dormant, and deleted debt has now been verified and re-entered into my credit file. Because the reinsertion has caused an exponential drop in my credit score I too would like information proving the debt is in fact valid and verified. Under FCRA sec 623 I am requesting disclosure of the " original creditors documentation '', on file that was used to validate the the data now being reported or removal of data from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX was originally collecting a debt of XXXX from me which was accumulated when they continued to charge me monthly for a contract phone I was not using. I was on my credit account as a debt collection for two years than disappeared. It reappeared but this time it is under the company Jefferson Capital Systems. They sent me a letter saying they are offering me a discounted amount to pay off my debt which I did pay off in full. It showed that my balance was at XXXX. Now on my credit account they continue to have the account open and claim I owe them a balance of XXXX which is not correct. Now I am not so sure this is a collection on the behalf of XXXX XXXX, it is possible they could have found that information and are claiming to collect it on XXXX 's behalf. Now my credit score is being affected by something I paid off and I am not so sure my money was given to the right party. I have tried disputing it, but they keep lying even though I have provided proof of the letter and payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on or  XXXX   XXXX   XXXX  equifax,   XXXX   and  XXXX  took information from a    XXXX    2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB  Fine  these agencies to the tune of  XXXX  of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I found out in XXXX that Navient was no longer servicing my FAFSA and I was wondering why. I called them and they told me my loan was in default, and they were not handling it. I had gone back to school in XXXX to get an XXXX XXXX XXXX and I am 5 classes short of completing my degree and they cancelled my loan. My loan was supposed to be in deferment while i was enrolled. 

I tried to get a Perkins loan and I filled out the promissory note on my phone and when I tried to submit it, my phone crashed. It got wiped. I was locked out of the phone until it auto-formatted itself. 

I received a follow-up letter from lending ccompany asking me to finish form at inoperable weblink. I took the letter to XXXX U to the Burser 's and the office cleared my loan. They photocopied the letter i received instructing me to visit a broken website. The lender is also a collection service. When you visit the site you cant even see your promissory note. SHADY! 

I 'm angry that Navient serviced me a gimpy loan. I need an EDUCATION loan. You ca n't quit in the third quarter! 
I got a NASA Space grant in XXXX! Why on earth would they not want me working at a high-paying technical job I earned with MY BRAINS? 

I have a print of my Navient loan. Ill get you account info.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 I make a Deposit in my Bank of America business account XXXX XXXX # XXXX for {$1300.00}, on XXXX/XXXX/2016 Bank of America make unauthorized withdraw total XXXX from my account, claiming for XXXX ID:XXXX XXXX, I did not authorize Bank of America to make on with draw from my account. can you help please?

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 01-10-2018 about Debt collection (I do not know) with Navient Solutions, LLC. (CO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: WE GOT THIS PHONE NUMBER FROM XXXX, AND NAVIENT KEEPS CALLING US. WE ARE NOT THE PEOPLE THAT THEY ARE TRYING TO FIND

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Non-federal student loan) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Unknowingly I attempted to consolidate the loan with my federal loans, this was not processed and I became past due two months assuming that the loan was consolidated with the other, when called to make the payment in addition to the back payments the loan company refused to accept the payment and demanded the full amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Debt collection (Federal student loan debt) with GC Services Limited Partnership (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: GC Services constantly calls me. I made payment arrangements and they kept changing my minimum payment and they have called me dozens of times. They called me this morning at XXXX, on a Saturday on a holiday weekend. They called at XXXX on XX/XX/XXXX. I have talked with them and worked with them but their constant calls are becoming extremely inconvenient and irritating. In XXXX I first started working with them. I filled out all the paperwork that they wanted and worked out a payment arrangement of {$5.00} a month. Then they called me again the end of XXXX and said that my minimum payment should be {$30.00} a month, so I agreed and paid them another {$25.00} on XX/XX/XXXX and then another {$30.00} the beginning of XXXX. Then they called me again and said that I needed to pay {$32.00} a month. And then they called me another five times to sign and send in the agreement. I paid {$32.00} on XX/XX/XXXX. I paid {$5.00} on XX/XX/XXXX. I paid {$30.00} on XX/XX/XXXX. I paid {$25.00} on XX/XX/XXXX. I paid {$5.00} on XX/XX/XXXX. 

I have worked with them and yet they still are constantly calling me at extremely inconvenient times and it is becoming harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Debt collection (Medical) with A/R CONCEPTS, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The dentist billed me for an initial visit {$270.00} which I paid in full at the time of services rendered, then billed my insurance company - the ins. co. pd the dentist for the same date/procedure {$100.00}. The dentist did not refund the ins. pmt to me. Later I had additional work done by the dentist totalling {$1600.00} ( {$520.00} of which the dentist had agreed to write off - yet they billed my ins co for that work ). I paid {$800.00} & my ins co pd the original {$100.00} ( not refunded to me from the original visit ) plus an additional {$420.00}. By all accounts this bill is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Mortgage debt) with SUNTRUST BANKS, INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We fell into financial hardship in XXXX of 2017. I am behind on my mortgage payments but I have been making partial payments to try and get caught back up. Sun Trust Mortgage knows my situation but they are continuing to make phone calls up to 5 times a day to the number provided. Obviously, someone 's financial situation does not magically change in just 2 hours between the phone calls. I have informed them of our situation numerous times but they continue with the calls. Like I state to them ... I am keeping the home and I will continue to make partial payments as I can financially afford them. I very much need to keep my home, and I am doing the best that I can to get caught up.

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 09/23/2016 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (NJ).
Issue: Fraud or scam

Complaint: When I received my income tax with rushcard in XXXX. I had damaged my card and called for a new one, weeks later I notced I stI 'll have n't received my replacement card I called them and asked what was going on. They told me thy had already sent it out and I sold have reicieved it by now. They went on to tell me what address they sent it to wic was not mine. I had been usin the same address for rush card since XXXX. I do n't know how they got the one that they " sent it to ''. The balance of my account gets sent to me everyday via email and txts. I noticed that I had not XXXX a text from this card I never received stating my balance was XXXX cents. And immediantly called rush card to see what had happened. They told me my card had been activated and used. I told them that it was n't me who did it and tmso they hsd me file a dispute report for all transactions made on that card. It has been since XXXX XXXX that I have been dealing with this. Months later I was told by me calling cm rushcard to ask for an update they told me that all the funds I disputed was going to be returned to me wich was {$800.00}. I was happy, they then told me they will send me a new card. I waited and waited for it to show up and nothing came. I called them back and they said for security reasson I needed to send identification. All the documents were faxed to them and I still have n't received anything. Today I got an email saying that {$72.00} was credited to my account. I again immediantly called them to see why is it so low.?? They told me that there were only XXXX disputes that were fon in my favor. But months ago they told me that allll of t he disputed would be credited to me. I feel lied to, scammed, and chested out of my hard earned money. This isnt fair. I do n't trust anything they say. And I demand answers please help me. It 's been since XXXX I have been waiting for all of my money and today I found out that I 'm only getting not even 10 % back. My email is XXXXXXXXXXXX my phone number is XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Credit determination

Complaint: On XXXX/XXXX/XXXX, I fill out and mailed a paper credit card application from Citibank and was approved for a card. On XXXX/XXXX/XXXX, I filed out a second paper application from Citibank which was denied. 
On XXXX/XXXX/XXXX, Citibank 's credit card division made an unauthorized inquiry against my XXXX credit report. This hard inquiry did NOT originate due to a THIRD credit application. I sent a letter to Citibank 's customer service department asking the reason for the XXXX/XXXX/XXXX credit denial. However, I did NOT ask for or suggest another credit pull. No one at Citibank even contacted me to advise of the third credit pull. A legal compliance statement is provided to the consumer upon pulling of credit and this process was completely disregarded.

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 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing to complain about XXXX XXXX XXXX and a store in Florida that has been harassing me for years and says I owe them money when I do not. 

I originally purchased phones from them to take with me overseas where I lived. They told me the phones would work overseas and they did not. I originally spent close to XXXX dollars on the phones, cases and a speaker. I immediately flew back to Florida to return them right away because they have a 14 days return policy in order to receive a full refund for my purchase. When I arrived, I initially called to speak to the manager and sales person who sold me the phones. They placed me on hold several times and never picked up the call. They also took many messages from me and no one returned my calls. I called XXXX and they told me to go back to the store and ask for an immediate refund which when I arrived at the store the clerk said he could not give me a full refund. I then told him I wanted to speak to the sales person who sold me the phones and he was unavailable along with the manager of the store. I finally had to call the police in order to get their complete attention and a full refund from the store. I had returned the phones on day twelve, 2 days before the 14 day return policy. All the items were still in their packages and everything in tack. I had the receipt as well. I did everything I was suppose to do in order to receive a full refund and never used the phones or phone service because the sales rep and manager of the store lied to me to make a sale. The manager had deactivated the service upon the return.. He gave me half of the refund in cash and the rest was sent by check from XXXX. Approximately a month later I received a bill for XXXX dollars without any explanation from XXXX. I called their headquarters and explained what had happened and they said they would investigate it and get back to me and never did. Soon after and still I am receiving letters from collection agencies claiming that I owe this amount. I sent these agencies letters explaining what had happened and attached and sent copies all of my receipts and names of people i spoke to at XXXX along with the names of the sales person and manager of the store. I sent emails and mailed them letters with copies of all receipts. I never heard back from them and they still list this debt on my credit report under collections. It has been over 3 years since this incident occurred and i believe that because I called the police to assist me with this return that the manager is behind this false charge or fee that has no bearing or explanation at all. Please help me to finally take this charge off my credit report. It has hurt my score tremendously and I dont know what more to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief