milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have my student loan repayment through Nelnet. I logged on last month to complete my recertification for IBR and was shocked to find out I owe {$6000.00} more on my student loans now than I did one year ago. At no point in my discussion with Nelnet advisors was I informed that the interest on my unsubsidized loans would continue to accrue when I was paying less than the full amount of interest monthly. I had to figure out on my own that this is what must have happened by doing research after I discovered I now owe much more on my loans than a year ago. I would NEVER had agreed to the IBR plan had I known that my loans would INCREASE in amount instead of decrease! I feel that I have been scammed by Nelnet. I took the advice of the Nelnet advisors in picking the best plan for me and now I owe an extra {$6000.00} on my student loans. I feel that Nelnet is at a minimum guilty of negligence for not informing me the interest on the unsubsidized loans would accrue and add to my loan amount. I have never missed a single payment on my student loans. I was trying to make the most financially sound and responsible decisions regarding my student loan debt and I feel that I have been dealt a huge blow to my financial future. I emailed Nelnet XX/X/17 about this issue and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding tha t a 7  yr clock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Purchased 2 tickets from XXXX XXXX XXXX on XXXX XXXX XXXX for {$1300.00} each adding to {$2600.00}. Paid to the merchant from XXXX XXXX XXXX account. Never authorized to charge on credit card. When found charges on credit card on XXXX XXXX XXXX I asked merchant to return money which he promised he will. Waited for Merchant to return charges on credit card but this never happened. Created a dispute with Chase Bank on XXXX XXXX XXXX about these transactions. Case Numbers are ( XXXX, XXXX, XXXX, XXXX ). Provided necessary documents ( Bank transaction proof with merchant ) to Chase Bank to substantiate claim to reverse the transaction. Chase came back with invalidating my claim and keeping charges on my account on XXXX XXXX XXXX. 

These charges on credit card are invalid charges and never authorized by me. Merchant fraudulently put a charge on my credit card after I transferred him money from bank. Credit card charges needs to be reversed. Merchant name is XXXX XXXX. Last known address of business XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Last known contact number XXXX XXXX XXXX XXXX XXXX. Merchant is not responding on phone for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TX).
Issue: Managing the loan or lease

Complaint: This account was paid in full since XXXX 2015. They have yet to update it as paid in full and closed to the credit bureaus. The late payments are also incorrect. I have been on time with payments since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have made over XXXX attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have incorrect information on XXXX, Experian and XXXX reported by XXXX ( XXXX ) for the amount of {$720.00}. Submitted for collection on XX/XX/XXXX to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through XXXX, Experian and XXXX, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: My personal info was breached via Equifax according to www.equifaxsecurity2017.com.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Called and stated they were filing a complaint with my county and would take me to court if I did n't pay the {$560.00} today. I requested this in writing and they stated they could not send me anything in the mail until I paid. She was not happy that I would not give any information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (FHA mortgage) with RMK Financial Corp (FL).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2015 me and my wife closed on a refinanced loan with Majestic home loans ( which is now serviced by XXXX ) which agreed that my mortgage payment which was at the time XXXX monthly an owned by nation star mortgage would be lowered to XXXX monthly if we agreed to a refinance offer with there company because of the change in lower fha mortgage insurance rates and requirements.. We did agreed and signed documents to cloan our new loan. On Friday XX/XX/2015 we received a letter in the mail dated XXXX/XXXX/2015 thats states " At the time of closing your loan, your taxes were calculated on the land valude only instead of the entire property ''. For that error majestic home loans stated that our monthly mortgage payment will increase from XXXX monthly to XXXX. So now we are paying more for a mortgage than we were initially paying for our original mortgage which i think is totally wrong and we certainly would not have agreed to this had we know this would be this issue. We even had other offers and GFE 's from different lenders but chose to go with majestic home loans. I think this was very deceitful on there part and most likely fudged numbers to get our business. Instead of saving money we are now having to spend more money which is not right.

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 monetary relief
Consumer complaint received 03-06-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 've repeatedly told XXXX my personal data was shared online and people were applying for credit under my name. They continue to release my credit report. Additionally, the fraud alert does n't even have my current phone number, which is XXXX. Equifax needs to remove the fraudulent inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (GA).
Issue: Managing the loan or lease

Complaint: Bought a car in XXXX 2015 and financing was accepted and processed by Westlake Financial Services in California. After 4 months I found out that the account has not been presented to any of the credit bureaus. I inquired with the company as to why my account has not been reported and was told there is a discrepancy with my social security number and name and that the company was unable to report the account. I have other accounts that are being reported to the credit bureaus with no problems or discrepancies and simply want this account reported properly. The dealership has sent the company copies numerous times of my ID 's to include my drivers license, social security card as well as military ID, the paperwork submitted by the dealership was typed. I have not been notified of such discrepancy and the company has refused to discuss the details of the supposed discrepancy. The company supervisors have hung up on me, placed me on hold for over 45 minutes then disconnected me and no one will answer any questions regarding this problem. I simply want it reported to the credit bureaus as it should be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Credit card () with CL HOLDINGS LLC (NY).
Issue: Closing/Cancelling account

Complaint: This company XXXX I have had for close to 3 years. I was able to see my report when I pulled my credit on XXXX. Sometime in XX/XX/XXXX this credit card company reported the account as closed but it was not. I called the company and they refused to fix the issue. This falls report on my account cost me XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015, I went outside to check my mailbox and I noticed a manila envelop hanging on my door with a note to call BOA XXXX Bank of America XXXX immediately. I had been home all day and no one knocked on my door or rung my doorbell. So, I called. I did not get the name of young lady I was speaking with but she was very condescending. 
BOA was contacting me regarding my XXXX payment .... My payments are due on the first, I have until the XXXX, so my payment ( at that time ) was only 3 days late. I tried to explain to her that I was waiting on my next paycheck to be able to make a full payment. She wanted me to obligate myself to a specific date and I told her I would not do that. She preceded to let me know that BOA could move forward with foreclosure on my house if I did n't make some sort of payment arrangement. I told her that I was not even a full month late but she firmly stated that if I did n't make some type of arrangement with them, foreclosure was the next step. I did n't understand how that could be possible due to the fact that I was not ( am not XXXX an entire month late with my mortgage and it is paid up until XXXX. 
I did not make a payment arrangement but I did agree to let her send me out some type of package with information to complete to see what can be done to keep my house from going into foreclosure. 
Once again, I am not even a full month late and BOA is threaten me with foreclosure. How is this possible. It is my understanding that a mortgage company can go forward with a foreclosure unless a person is 120 days late on their mortgage. How can BOA do this???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Medical debt) with Suburban Credit Corporation (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My son XXXX XXXX was hospitalized on XX/XX/16 for a medical emergency. While at the hospital because it was an emergency I was never asked for his insurance card. When I received the first bill about a month later I immediately called and gave his Maryland XXXX Id number which would cover the bill 100 %. I was told by XXXX XXXX XXXX the original creditor not to worry the insurance would be billed. They never billed XXXX insurance and sent the account to collections at XXXX XXXX. When I called Suburban Credit I spoke to two representatives neither of which would let me explain. The first one hung up on me while she was pretending to figure out how to remove this charge and the second one basically said whos to say you called and gave the original creditor your insurance information. In other words calling me a liar.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (I do not know) with 24 Asset Management Corp (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting called and harassed for a debt belonging to a sibling. I have related this info to the debtor before. Once I took the message and hung up the rep called me right back away to annoy me. Therefore breaking FDCPA law and harassing a client once contact was already made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is continuing to report incorrect personal information on my credit report that I have disputed numerous times. 

Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX NJ 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 non-monetary relief
Consumer complaint received 02/22/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me 4-8 times every day. starting at XXXX and ending around XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: National credit systems has placed a negative on my credit reports, all XXXX and also on my spouse 's credit reports. They are not the originator of the account, the date of origination on the credit reports is XXXX, this is the date they bought the debt. I have requested debt validation many times, they ignore me and do not validate, I requested they remove it, they ignore me. Also the credit reporting agencies do the same. They have re aged the debt to when they bought it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (I do not know) with Delbert Services (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Call the front office repeatedly leaving messages for me to call them

Company response to consumer: Untimely response
Consumer complaint received 03-04-2017 about Credit reporting () with FIRST NATIONAL BANK OF OMAHA (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Never was given an alternative to repay my loans in the beginning. Was forced to max out my forebearance. My loan amounts went from XXXX to over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I went into bank to close account upon closing an account I made bank rep aware I had opened another account online. We worked to have payments and outstanding debits taken care of by the open account. A month and a half later the new account and my debit card were no longer active without prior notification to me. After the fact I received a later saying my account was closed due to insufficient funds on the account I went into the bank to close. After working with the original bank rep my account was reopened but no money was returned for those insufficient funds. Debit card also not restored and I have been a customer of this bank for over 20 years.

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
Consumer complaint received 02/16/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX 2017, Midland Funding LLC through their attorneys XXXX served small claims papers at my home regarding a 14 year old credit one credit card debt. The papers were not in an envelope and were given to a neighbor who was watching my new puppy as I was at a work function. The server was notified I was not home and he was not my spouse.The server than informed him that they just were legal papers to sue me in court for not paying my bills!

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit card () with JPMORGAN CHASE & CO. (ME).
Issue: Transaction issue

Complaint: Amazon purchase XXXX was a purchase of XXXX, minus promotion XXXX, minus rewards points of XXXX. Receipt total {$8.00}. I was billed ( not pending ) {$23.00}, the item has not shipped. Amazon says it will change when shipped to {$8.00}. So until then I have a charge on my account for the full amount, assuming the change the price and issue a credit to my account. Amazon thinks this is a normal practice, the credit card can only dispute the charge. I do n't think this is legal, but I could be wrong, someone is making money on this money in " limbo '' and someone is paying for it. Please feel free to call me if required XXXX, Please let me know what will happen. Please fix this practice it 's just not right!

Company response to consumer: Closed