milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a student loan with XXXX XXXX ( who now is navent ) back in XX/XX/XXXX account # XXXX which on my credit report it shows XXXX accounts # s XXXX in the amount of {$3500.00} and XXXX in the amount of {$2600.00} besides the accounts being XXXX old they sold the accounts back to the original debtor ( XXXX ) which in return got paid by taking my tax return back in XX/XX/XXXX, I have tried several times to dispute the information on my credit report stating their ca n't be XXXX company 's reporting the same information on my report but what they did was when the XXXX has different account numbers with the same information which is the same loan from XXXX XXXX. at this point I had my attorney send them a letter explain they can not have XXXX companies reporting the same items that XXXX XXXX would have to delete there information because XXXX was the one who collected the money from me and XXXX XXXX sold the loans back to the XXXX, I have a record of all the times I have contacted XXXX XXXX and the XXXX reporting credit agencies, I also have the letter from my attorney contacting all three agencies and the XXXX reporting companies, the XXXX credit agencies have not corrected the information have never verified the information because they are getting paid by the companies to report the information, all I want is for XXXX XXXX to remove the information from all XXXX agencies because they no longer own the accounts ant the XXXX is reporting the same info with different account numbers. XXXX account # 's XXXX and XXXX all the information is the same on all the accounts see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: My account with XXXX XXXX XXXX XXXX, XXXX. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, XXXX and Experian. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You

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 06/22/2016 about Debt collection (I do not know) with Oxford Law, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was made aware of a voicemail. The caller stated their name, no company and a file number. Prior to returning the call, I was able to discern the call came from Oxford Law LLC, a debt collection office. This is the first time I have knowledge of attempting to be contacted by this office. The caller did NOT leave the mini miranda in the message as required. I subsequently left a message for the caller stating i was recording the call ( whichi did ), advised I was not admitting to any debt, and requested a written disclosure be sent ( being they had made first contact ) to me in the mail. I left my home address. The same caller leaves a message again the following day, stating she really needs to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, 2016 I recieved a notice on my credit report that the Debt Collection Company Williams & Fudge Inc. had posted a collection account on my credit report. I was never notified by phone or mail that I had a collection account with Williams & Fudge Inc. as required by law. Because I was n't notified about this collections account I did not have the opportunity to resolve or verify the accuracy of the account to respond on whether the account belongs to me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (I do not know) with United Collection Bureau, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am writing regarding this agencies illegal collection practices. UCB is practicing completely illegal collection practices. I have a voicemail that was left on a family members voicemail that stated, " if the person was not " my name '' to hang up if not continue to hold. There is a full recorded message that I have from a family member ; that 's completely illegal stating information regarding a collection debt.The message also proceeded to leave they are a debt collector collecting on a collection/delinquent account. I have never received anything or heard of this company. As a collection agency should n't information be verified prior to speaking to anyone or leaving a full voicemail regarding the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (I do not know) with CREDIT BUREAU OF NAPA COUNTY, INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a call that my daughter who is XXXX years old had some kind of outstanding debt. I refuse to verify her birthday because I could not get them, the caller, to verify their business. They claimed to be calling on behalf of Chase Receivables of New Jersey. I did provide them with my last XXXX addresses. However, they said the addresses did not match what they had on file. They called before a letter had been sent to my home. As of right now I still have not received a letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Medical debt) with First Data Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I sent a check to XXXX XXXX in the amount of {$780.00}. The XXXX office redeemed my check electronically. Then, they deposited the paper check into their account, resulting in a duplicate charge for the same check. On XX/XX/XXXX I discovered the duplicate charge and disputed it through my bank. On XX/XX/XXXX the bank concluded its investigation and permanently credited my account the amount of the duplicate charge, {$780.00}. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX demanding payment for the duplicate check that had already been disputed and resolved. I opened a complaint with the XXXX XXXX XXXX on XX/XX/XXXX against XXXX XXXX with instructions to cease and desist sending threatening letters from their collection agency for a debt I do not owe. I also sent a note to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a copy of the notice from my bank that their investigation had been concluded in my favor. In my note, I stated that I do not owe this money and that I expected the matter to be concluded. 

On XX/XX/XXXX I received a response through the XXXX XXXX XXXX from XXXX XXXX. They state they did not forward this account to collections and that my account has a XXXX   balance. 

On XX/XX/XXXX I received a second letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX demanding payment. 

Either this is outright fraud or widespread incompetence. Either way, I do not owe this money. I expect XXXX XXXX XXXX XXXX  XXXX to cease and desist sending letters and to refrain from any negative reporting to credit agencies. I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Credit determination

Complaint: I was forced to carry XXXX mortgages and left with over {$20000.00} in overdue bills and damages when the tenants in my California home disappeared in XXXX 2015. I managed to cover everything, but had to juggle and barely made it. I got the house back on the market and sold, but I was financially in trouble until I received the monies from the close of escrow. I called Discover Card and explained to a representative my situation requesting that I be allowed to hold off one additional month and would pay in full on XXXX XXXX or as soon as the mortgage closed. The representative agreed to allow me to do that and said he would notate it in the billing notes. We had an agreement. At no time did he inform me that Discover would report me to the credit reporting companies, my understanding was, we had an agreement. I was finally able to plan on giving my family the new home I had been promising them for several years. Discover turned me in as late to the credit monitoring agencies and caused a XXXX point drop in my credit rating. I had nothing negative on my credit record prior to this. Nothing! Had I realized they would do this, I would have done everything I could have to prevent it, and in reality, thought I had. I had no idea they would do so, as we had an agreement. I called them. They were much less than concerned, one Discover representative telling me to read the full contract after explaining to her that this has placed and unfair, and in my opinion, extreme hardship on me and my family. I 'm retired. I 'm a XXXX and I do n't understand much of the financial working of credit companies and I 'm just trying to survive. But when I make an agreement, I stand by it. This has caused us to have to spend {$1500.00} to {$2000.00} a month more if I am going to give my family the home they deserve, due to a higher interest bracket and having to pay mortgage insurance, all due to the credit report from Discover Card, and their not honoring their agreement with me. Again, my credit was nearly in the XXXX prior to this. It dropped into the XXXX due to it. I feel Discover Card did not properly honor their agreement with me and I feel they should pull the negative report. Especially as I paid them in full as soon as I got the escrow money, holding up my end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This debt was created when my son vacated his apartment. I co signed for the apartment. When my son left, he left a deposit to pay all bills and enough for additional cleaning if necessary. The apartment was signed off my management as everything was in " ok '' condition. We then got a bill from the apartment claiming they needed to do repairs and were doubled billed for cleaning. I disputes the bill, contacted the apartment management several times, but they never provided any proof that the additional fees were real or necessary. I was physically I the apartment and saw that the additions fees were not necessary. The account went into collections in dispute, verification of the fees owed was never provided. I communicated this fact with the collection agency on several occasions and even evidenced that I contacted the XXXX, but nor the apartment management nor the collector provided any evidence or verification of debt. The most I got was a typed form listing the supposed charges and the collectors right to collect. This debt issue has already been removed from my other XXXX credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Privacy

Complaint: I have received over XXXX calls from this time period just on my cell phone alone from Synchrony bank, including automated messages each time. I have received at least the same number of calls at my work number XXXX and XXXX as well as voice messages and I am not allowed to have phone calls of this nature at my work numbers and my cell phone number XXXX since I also use my cell phone for work purposes. I am requesting to not be contacted at either of these numbers. This company is violating the privacy policy as I have already requested them to remove these numbers and they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with Northwest Collectors Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Northwest Collectors Inc. has been calling my job 's main phone number using an automated message divulging information of a debt I supposedly owe for some traffic tickets to the switchboard operator for the company ; who is one of my subordinates ( I have attached the most recent phone recording from this morning ). This has been going on for several weeks. I do n't believe it is appropriate to be calling people 's workplace using an automated system that discloses information that they are a collection company calling about an amount owed for a specific individual.

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 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX inquiries were removed off of my Transunion report last month and have now put them back on without any approval or notification from me, as a result my credit score has dropped.

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 02-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: asset acceptance llc had a police officer come to my house to take my vehicle or pay $ XXXX.for a dept that was from 2001, they said it was for a XXXX, i then told the officer i had the money and to contact asset acceptance to make sure this was all i owed, asset acceptance said there were XXXX case numbers but if i paid the full amount $ XXXX.that would take care of both case numbers.two weeks later i recieved satisfied judgements for both case numbers just like they said.well a couple of months later i recieved a notice that they made a error and that XXXX satisfied judgement was no good.they never answer my questions about what dept is owed on each case number, ive had an attorney write a letter asking for varifacation of dept with no responce.please help ... ..they are still taking my state income tax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit card () with CITIBANK, N.A. (DC).
Issue: Billing disputes

Complaint: I have a Macy 's store card and a Macy 's Amex card. 
On XXXX/XXXX/XXXX, my balance was {$93.00} and my minimum due was {$27.00} and due date XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I made a payment of {$30.00} which was above my minimum due to avoid paying interest. My new balance was {$26.00} Today, XXXX/XXXX/XXXX, I looked at my credit summary and I found out that Macy 's charged me {$2.00} interest fee, Why?! 
I called and was told that " now that we have received your payment in full, we will go ahead and remove the interest fee '', I was very furious, why was there an interest on my account in the first place? My payment was received in full on XXXX/XXXX/XXXX, so if I had not looked at my account, I would n't have known that my new balance was {$28.00} and my new minimum due was {$27.00}. 
I had already scheduled a payment {$26.00} for XXXX/XXXX/XXXX, which was my balance. This would have messed up my account, I would have been charged a late fee of {$35.00} and would have been reported to the credit bureau as being late on my account. 
This is how people get in trouble and this how Macy 's make money off innocent victims. I believe this is negligence, theft and deceitful. Someone has to be held responsible. I am still looking at my account and they still have n't taken the {$2.00} off. 
Five months ago, I filed a dispute on my Macy 's Amex card for an unrecognized/unauthorized transaction of {$12.00}. They never responded to me, they never took care of the problem nor did they refund the money back to my account. 
I have had so many problems with Macy 's, particularly on reporting to the credit bureau and handling disputes. By law, they are supposed to make the funds available within XXXXXXXX days when a dispute is filed.

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 09-10-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: During the month of XXXX XXXX we attempted three times to pay a monthly car payment if {$570.00} to Ally Bank. The representative and her supervisor said we had to make the payment in a completely different way. We were told we had to obtain. XXXX XXXX. We tried to negotiate and come to a resolution but the Ally representative became mean and very disrespectful towards us. I filed a complaint with XXXX XXXX. We received a phone call from XXXX with Ally Corporate. She stated that she would be looking into our complaint but asked if we could pay the XXXX payment. I explained to her that it was the XXXX of XXXX and I was trying to pay XXXX 's payment. She was confused and was ordering a complete audit of the account. We heard nothing until XXXX XXXX when a tow truck arrived at our house to repossess our car. Our account number is XXXX and we lacked four payments to complete our loan. I asked for a loan modification and was denied on the spot. I was told that Ally was not a bank. In XXXX I asked our Congressman for help and was told there is no government office that could assist us. You can teach us via phone XXXX with any questions! Thank you for your time and attention paid to our situation.

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 11-09-2016 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: Account Number # XXXX. 

Dear Original Creditor : I know that you must receive an overwhelming amount of mail so I will try to keep this letter as brief as possible and to the point. During XX/XX/XXXX to XX/XX/2014, I possessed student loans with your company that right now is up to date and subsequently been refinanced through another loan servicer. Unfortunately, I do have late payments that are showing from over two ( 2 ) years ago and I am writing to request if there is a way to have this information revised. 

At the time of these late payments I was unemployed and struggling to find gainful employment to make ends meet for my family. Furthermore, the student loans with your company had been in unemployment deferment however due to my own negligence I did not management the process of keeping up with when the deferment ended XX/XX/2014. I take complete ownership for the 120 days that the loans were late and have worked hard not to allow any of my loans to be late again. While these past events of being unemployed does not constitute payments being made to the applicable NELNET loans, this event did result in me falling behind in my bills. 

I am currently working on rebuilding my credit and in doing so have learned just how essential organizational and financial management principles are. I am in a considerably better situation today and take full responsibility for my actions long ago. I am asking for a measure of goodwill to delete the negatives off my credit report with all XXXX bureaus. I understand that you are under no legal obligation to respond to my letter, but this act of goodwill would not only help my credit repair tremendously but also afford me great opportunities in the near hopeful future. 

With this gesture of goodwill NELNET will forever have my gratitude. I thank you for your consideration in reviewing this matter and taking the time to read this letter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion lists a collection account on my credit report from XXXX for XXXX XXXX. This account was paid in full before ever being sent to collection. I have all of the documentation, and yet when I filed a dispute with Transunion, they responded less than two weeks later stating that the collection account and balance due is accurate. They did not ask for any documentation.

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 11-04-2017 about Checking or savings account (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Wire instruction to send money toanother bank were not followed. Beneficiary never received the money. Bank did not notify me that it had not sent the money. Money was debited at time of instruction from my account. I instructed Bank to cancel the wire and credit my account. Money has not been credited back to my account for almost 1 month now. I am in contact w branch amd service rep but no substantive updates are given. Amount is $XXXX. I need money back and Bank is saying they are not able to credit interest during the missing 1 month period. I need the $XXXX back in my account ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted XXXX XXXX XXXX regarding this account and they agree to close it. 
The account is from XXXX/XXXX/2009 is more than seven years. Equifax has refuse to remove it from my credit file because they say is there policy to keep it from the day of last adivity. 
I think they want me to continue paying for the membership. 
Please Help ...

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debit was paid in full upon cancellation of my account with XXXX.

Company response to consumer: Closed with explanation