milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a Federal subsidized loan that I wanted to pay off within the grace period so I would not receive any interest on it. Nelnet, my loan servicer, had sent me a few emails leading up to my payment due date all with the scheduled start of repayment being XXXX/XXXX/XXXX. I made the payment by the due date but was confused to see interest added on. I contacted them and asked why and they said it was because my grace period ended on XXXX/XXXX/XXXX. I asked them why they had told me that my repayment date was different from the day that my grace period ended and they said they do it as a favor to me. I said I felt like it was misleading to give me a different date. They said that they had told me that my grace period ended on XXXX/XXXX/XXXX through an email. I looked through every email and piece of mail that they had sent me and it never once was stated that my grace period ended on XXXX/XXXX/XXXX. The only dates listed anywhere were XXXX/XXXX/XXXX. I called them back to let them know and they said there was nothing they could do and that it was my fault. I spoke with an adviser at the university I attended and they told me to go onto XXXX to file a complaint. I did not know that this website existed until this point. After logging into this account I saw that the date they had listed for the scheduled start of repayment was XXXX/XXXX/XXXX. Why would Nelnet have a scheduled start of repayment date that would be different? I understand that there is a 6 month grace period but I trusted the date that Nelnet gave me and assumed that was when the school considered me no longer a student.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2014, I ordered XXXX Internet service from XXXX. I had it a few months but never bought the computer I was supposed to. I called them and explained. They billed me for the equipment of {$350.00}. They agreed to send me a prepaid mailing box, return the equipment and then send me a letter of satisfaction. They never did. I disputed this on my credit report and won ( XXXX ). I now have a collection agency asking for the money. I do n't know what else to do? Account Number XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was on the phone with them for appx. 45 minutes. They kept switching me to person to person and nobody could help me. After 45 mins on the phone and a XXXX, I decided to write them. Can you please help me? I can send proof of my credit report that is was won. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Student loan (Non-federal student loan) with Genesis Lending (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX XXXX XXXX, XXXX. I completed the work however due to lack of help from teachers I do not feel like I have enough knowledge to use my degree for a better job. Of the jobs that I have found, I am not considered due to the fact the XXXX XXXX has a bad reputation and my degree is basically worthless. As far the lending services which was Genesis Lending Services, they made me pay while attending school. The private loan was not needed for me to attend school, as i found out later that the school had taken out more in federal loans than what was needed. The private loan company also knew that the school was doing this and went along beside them. This loan was not needed and I feel that I should not have to pay them anymore and should receive my money back. Seeing as I have 36,000 + in federal for a two year degree because of the school already. Since, all of this has become knowledge I have contacted Genesis Lending Services and they will not give me any information that I will be forgiven or the option to stop paying. Now, I only had XXXX forbearance left that I still have to pay {$60.00} for 6 months and then {$120.00} and then {$210.00} which is getting rough considering I still do not have a job in the XXXX and still working as a XXXX making small money.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company increase my payment by XXXX % in one month. The mortgage company paid MUD taxes. The XXXX other Mortgage Companies that I had before Nationstar Mortgage knew that I owed the taxes Before I could sell the house I knew that all taxes would have to be paid.But Nationstar Mortgage wanted the regular mortgage payment of {$1000.00} but the {$2300.00} also in one month.Nationstar Mortgage knew that I was XXXX veteran because for close to two years tried to escrowe my account.Before this I made on time payments for three years to refinance my home from 7.99 % adjustable rate.Each time they would try and escrowe my account is it put me as late They took it off my credit report for awhile But Nationstar Mortgage never told my other creditors so my score suffered.Couldnt refinance then strong along with a modification plan.then told the forms were sent by mistake .Now in a chapter XXXX bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This item was unlawfully placed on my account. I have requested that this be removed as this is no fault of my own. This was a covered procedure. I had the same exact treatment on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. The procedure was paid on the XXXX XXXX and XXXX XXXX, however the XXXX XXXX was not. Upon my investigation, I discovered that XXXX had provided and submitted the incorrect procedure code. I called several times to get that changed. I was told to call XXXX. When I called XXXX, they referred me back to the doctors office at XXXX. I even had a XXXX way call with XXXX and XXXX and XXXX refused to comply. They stated I signed a waiver where I understood I would be responsible for payment if XXXX did not pay. XXXX blames XXXX and even even wrote a letter to XXXX requesting payment. XXXX denied because all they were requesting was for XXXX to resubmit the correct code. XXXX even stated the dates of treatment did not match. 
I requested an appeal with XXXX on XXXX/XXXX/XXXX and another appeal on XXXX/XXXX/XXXX. I even requested the assistance of the State Of California Department of Insurance on XXXX XXXX, XXXX. I kept getting referred back and forth and have records and dates who I spoke to until XXXX stated they no longer can discuss my issue with me as they forwarded it to collections.

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 01-06-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was sold to Seterus. In XX/XX/XXXX we changed our house insurance. Currently, our insurance has now lapsed even though Seterus claims they paid it. XXXX has n't received payment. They have essentially refused to give us an accounting of the escrow account. The old company was paid and returned the check. I sent a {$2000.00} payment to Seterus labeled " FOR ESCROW ONLY!!! '' to restore the escrow to a positive balance due to what appears as over payments of insurance. They put those monies on the principal. ... As it stands our escrow is deficit, we have no house insurance and we can not get any facts on the account from them or from the online portal. The tax department says the winter taxes were paid. The escrow department says they were not. The last standing online records were from 2014. I suspect when we call in today they will not correct where the money was applied in the wrong place. This problem has been ongoing since XX/XX/XXXX. Again, we do n't have home owners insurance currently. We need help from an entity that this company is forced to recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in the original dispute showing that my bankruptcy was discharged in XXXX XXXX and that I in fact only have XXXX bankruptcy. I attached a copy of my discharged bankruptcy. I also, faxed Equifax copies of my ID, social security card, paycheck stub, and current utility bill on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: AFTER RECEIVING A COURT ORDER TO REMOVE A CHAPTER XXXX FILING CASE XXXX  XXXX XXXX XXXX XXXX ORDERED A NOTICE OF WITHDRAWAL FORTHWITH FROM ALL PUBLIC RECORDS. THE THREE MAJOR CREDIT REPORTING BUREAUS HAVE NOT REMOVED THIS PUBLIC RECORD EVEN AFTER THIS HAS BEEN ORDER BY THE FEDERAL BANKRUPTCY COURT CENTRAL DISTRICT.ALL 3 MAJOR BUREAUS GO THRU THIRD PARTY VENDORS AND ACCORDING TO THE FCRA ANY THIRD PARTY VENTOR VERIFYING A CONSUMERS PERSONAL INFORMATION MUST BE IDENTIFIED .AND NONE OF THE BUREAUS FOLLOW THE GUIDE LINES SET BY THE FCRA.

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 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XXXX XXXX, 2017 Amex forcefully closed my charge card account because they claimed they did not receive my financial documents and/or income tax return information they requested. I have full proof they did receive the documents via certified letters w/ signature. Despite receiving my financial documents they chose to close my charge account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received notification on my alerts through   XXXX   that a new credit collection account is appearing on my account at  XXXX ,  XXXX  and Transunion on  XXXX   XXXX ,   XXXX   with  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates  XXXX   XXXX ,   XXXX   which is in the future. Second, I do not have gas service at my present location and have been at my present location  of   XXXX   XXXX   XXXX   for ov er a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on  XXXX   XXXX ,   XXXX   and ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe belongs to me.

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 12/15/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: Hi, i 'm a costumer of citizen bank 11 years+.Sorry to say that but on all this years the costumer service is terible.Just went today XXXX to my branch at XXXX Ma.I noticed i was being charged {$3.00} fee the last 3 months, went there to find out why? .This costumer representative i was talking too his name ( XXXX ) was so rude.He told me go online and do it yourself, to waive the {$3.00} fee.He gave me no answer 's what that fee was for, and why he could n't helped me to waive it at the branch.I was surprised of his costumer service being 11 years with citizen 's bank, and a valuable costumer.Because of this guy i had to close the account with citizen's.Thanks citizen for this costumer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: My creditor, XXXX XXXX, refuses to correct my credit file. My creditor XXXX XXXX has mishandled my account file as it pertains to my credit. My self and spouse applied for a mortgage with XXXX in XX/XX/XXXX. XXXX ran my credit report the same month, approximately XX/XX/XXXX and advised me of a late reported XX/XX/XXXX. XXXX hired XXXX XXXX to validate this, as I advised I had not had a late payment. On XX/XX/XXXX XXXX XXXX representative, XXXX XXXX contacted me and we had a conference call with XXXX XXXX   Rep., XXXX. XXXX was asked by XXXX if my payments were current, If I had any late payments in the last 12 months, the balance amount on my account, last payment and next payment due date. XXXX advised XXXX that I had not had any late payments in the last payments in the last 12 months and my last payment was XX/XX/XXXX and next payment was due XX/XX/XXXX. I had been paying every 2 weeks even through my due date was XX/XX/XXXX of the month. I have been in contact with the credit bureaus to file a dispute. I provided them with the XXXX XXXX documentation of the call that verified no late payments. I provided the same information to XXXX XXXX. They denied the call was made to them, denied the employee XXXX verified the information as well. : What company is this complaint about? XXXX XXXX. : Who are the people involved? 
XXXX XXXX from XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX from XXXX XXXX XXXX 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 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX  I filed an complaint about   XXXX   XXXX   about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sent o ut 11 letters  attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the tracking on  XXXX  thinking I should have received some type of information in the mail after 10 days. Turns out the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the  XXXX  false addresses that I never lived at. I 'm not sure what address and phone number   XXXX   XXXX   has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.

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 11/13/2015 about Debt collection (Payday loan) with Credit Central Holdings, LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After recently moving and providing new address lost my job and made Credit Central aware of loss of job with promise to continued payment once I got a new job. Still not working. Within one week of notification of loss of job my cell was turned off. They started calling everyone on my referral list and someone provided my mother 's # to them. They call her # every day, my mom is XXXX and has repeatedly requested for them to stop calling her. Then 3 weeks ago a man showed up at her house and verbally threatened her, she called the police but they could n't find the guy that came to the door. Then 3 days later a woman showed up, she again requested for them to stop coming to her home and made them aware she has XXXX. The lady left. Tonight at XXXX a XXXX XXXX ( same guy from before ) came to her door and tried to force himself into her house, verbally threatened her and she called the police, the police came and basically just told him to leave. I have repeatedly requested for them to stop calling her and I have requested on more than one occasion for them to provide documentation on how much is still owed if anything, but have never received any such documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX 2017 and XXXX i have an inquirys from one main financial that I need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Struggling to pay your loan

Complaint: I am writing in reference to a negative pay status which has been placed on my credit report, per USAA ( USAA, account #, XXXX XXXX XXXX XXXX XXXX, Tx XXXX, with a payoff balance of {$7800.00}. In XX/XX/XXXX, my husband Filed a Bankruptcy, Chapter XXXX. His BK, XXXX requires his to pay back 100 % of his debt. Within 1 month USAA has sent 2 different comments to the credit bureaus in reference to a negative pay status on my credit report. One was on XX/XX/XXXX, and the next comment was 16 days later, on XX/XX/XXXX. The comments are vindicated, the comments state the account is open, closed, charged off, sent to collection, profit loss, delinquent and write off. Which in fact the account has been included in the BK XXXX. I have read, the above charge off comments, are established after 6 months, not 1 months, as USAA has done. I filed a dispute with the three different Credit Bureaus, XXXX has completed their investigation and the Results summary states VERIFIED AS ACCURATE AND UPDATED. 

USAA is trying to receive payment twice while trashing my credit, providing they are receiving 100 % payment from my husband BKXXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Struggling to pay mortgage

Complaint: on XXXX I called XXXX XXXX about my loan status listed as " In Foreclosure. '' The company is seeking a payment of {$3800.00} from me. This is an internal problem with this company.

I have receipts for my taxes, marked paid, as well as a current paid monthly Home Owners Insurance document and a signed Occupancy Certification one.

So what documentation do they have saying this loan is in default. 
Their letter of XX/XX/XXXX supports my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: Late fee and interest assessed when payment was mailed and dated as on time.

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 07-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to be investigated have been ignored.

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