milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2018 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: Information belongs to someone else

Complaint: Account : XXXX Fraud ADDRESS : XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX Outstand Balance : {$340.00} Victim : XXXX XXXX This submission is regarding a conversation I had with a XXXX XXXX XXXX XXXX  ( XXXX ) rep i had on XX/XX/XXXX. I was following-up on a case regarding stolen identity. 

Background : I moved from XXXX XXXX XXXX to XXXX XXXX  back in XX/XX/XXXX. Subsequent to my move, an unauthorized utility gas account was opened in my name on XX/XX/XXXX at the address listed above. Apparently, the individual failed to pay and XXXX filed a non-pay inquiry to the credit bureau Experian. On XX/XX/XXXX, I filed a complaint with XXXX  which is when I identified the fraud against me because I was applying for a mortgage in XXXX  and could not secure the loan due to the negative inquiry. I supplied XXXX with a police report at that time. Please note, according to XXXX customer relations, they received the credit report on XX/XX/XXXX but have yet to do anything. Back in XX/XX/XXXX, I was able to secure my mortgage loan due to that police report and I did not pursue following-up on the investigation of identity theft with XXXX. Now, on XX/XX/XXXX I was attempting to re-fi my mortgage and due to this inquiry on my credit report the mortgage company would not move forward with the re-fi. On XX/XX/XXXX, I reached out to XXXX to continue this follow-up from roughly two years back. I requested to have a XXXX supervisor contact me regarding this matter as well as provide me with the information taken when this account was set up. I have yet to receive any follow-up from XXXX regarding the matter. 

Important Note : The police report indicates the plaintiff company is XXXX XXXX XXXX but that's only because XXXX was bought out by XXXX since the time of the incident. 

My credit has been negatively impacted due to this issue thus preventing me from being able to refinance my mortgage or obtained a more favorable 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 non-monetary relief
Consumer complaint received 08/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX-XX/XX/XXXX I attended school at XXXX XXXX in XXXX, CA. While making payments on the two loans I had with XXXX XXXX ( now Navient ), my payments we not applied properly. I had written checks for the sum of the two loans, writing both account numbers on the check to be disbursed evenly, but the money was only applied to one loan. This continued to happen for over a year, without any correction by the lender. This resulted in delinquent payments, increased interest rates and constant harassment. I contacted the lender dozens of times to correct the problem and/or apply a credit to the other account based on the difference and nothing was done. Upon falling behind on payments, I was offered to put my loan ( s ) into deferment/forbearance without detailed explanation as to how that affected my loan and how the interest would continue to accumulate. I was NEVER suggested an income-based payment plan. Not a single time. It is now XXXX, I have paid 1 loan off and I have tried to apply for a repayment plan, but I was told I do not qualify because my account was current. The interest was well over 10 % and was told I could n't receive help unless my account was delinquent. So, I had to let my account fall behind again, severely impacting my credit score just to try to apply for that repayment plan. I now have been trying to contact Navient about my account and have been told my information does not match what is on file with the company! Apparently, my SSN and DOB do not match their records, yet they have no problem reporting me to credit bureaus, tanking my score and eliminating my eligibility for 3 Federal jobs I applied for because of my " delinquent accounts ''. Navient has done nothing but put me into the deepest financial hardship I could imagine and I can not foresee digging myself out of this hole without help from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Auto debt) with CCS Financial Services, Inc. (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: In XXXX, I had auto and rental coverage with XXXX through my employer which at the time was a state university in XXXX XXXX. After I left this position XXXX sent notices to my residence about the remaining balance for the coverage. I never received a breakdown of the costs of the coverage and the remaining balance. XXXX never offered an installment plan and my file was immediately sent to a company called Credit Collection Services in XXXX, XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have made over 6 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 explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX, XXXX No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (I do not know) with Midwest Fidelity Services, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have my personal cellphone which they call repeatedly. However they called me at work and went through my dispatch system which is unacceptable. My personal issues are my own and they have no right contacting me at my job to purse any type of collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Paid the full balance on XX/XX/XXXX before the billing cycle/statement closing date. It then had XXXX balance with no additional charges. The statement closing/billing cycle closed 10 days later and they billed me an additional {$55.00} for interest that apparently accrued during that billing cycle. I closed out 3 other credit cards the same way ( as a result of a consolidation loan ) and none of the other credit card companies charged further interest on a XXXX  balance except for Citibank. When I paid the balance in full before the statement closing date there should not have been additional interest charged

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 10/31/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: Back in XXXX or so not long after opening an account with wells fargo I noticed another account that I had never opened. Brought it to their attention they apologized and closed it. Not long ago I heard wells fargo was in trouble for opening accounts without customers consent, so I was telling them about it hapened to me some time ago, after looking into it further they noticed XXXX accounts that had been opened. After leaning all this, I have done some research and found out wells fargo employees were telling people that opened accounts that they had to open a saving account too in order not to be charged fees, well that happened too. So technically there were possible XXXX opened without my consent, and a savings account opened cause I was led to believe it had to be.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: Disputes were sent out on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX - To date, nothing has been updated or completed. Over XXXX days and still the same letter being sent as verified. I am a consumer and it is my right to dispute inaccurate information on my credit report or reports, which I have, and nothing has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I disputed an inaccurate XXXX account with Trans-Union multiple times but they failed to investigate the dispute because of mismatching addresses. This caused many XXXX as I tried verifying my address multiple times to no avail. I decided to contact XXXX and they said they could n't find the account in their database. With that in mind, the XXXX representative named XXXX said that she will contact all XXXX credit bureaus to get the account removed. Today I ordered my Trans-union report and the inaccurate account is still reporting for more than a year ; since I started disputing the account. This is frustrating because XXXX and XXXX are not reporting this account.

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 05-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion fails to remove the XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was leaked by Equifax through a hack. After checking on their provided website to see if I was affected, it showed that my information had been compromised. I understand they are also a victim in this hack, but nevertheless, their responsibility is still large.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, XXXX, I submitted a dispute to Equifax. As of today, XXXX XXXX, XXXX, the dispute remains " pending ''. The inaccurate information remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I am a victim of identity theft. Someone stole and used my personal information and obtain a state drivers license with my picture on the license and with a date of birth of XX/XX/XXXX and opened up a fraudulent and unauthorized checking and money market savings account with Bank of America. I was incarcerated at the time the fraudulent accounts was opened. Please review attached documents. My date of birth is XX/XX/XXXX. The checking and savings account that was opened in my name with Bank of America is fraudulent and unauthorized.

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 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/2016 I received an unsolicited call from XXXX XXXX XXXX XXXX, for a website and an online store, I was told they could get this running in 2 weeks and making money in 3 weeks. 
According to the contract I signed I was supposed to receive the following services : A custom Website ; Business Entity Setup ( which they said was key for advertising ) ; Social Media Marketing Setup ( allowing customers to be linked and connected to my site ). 
But soon after I paid them {$7500.00} I never heard from them again. This is the reason I am filing this complaint, even though I called several times tried to get my money back and told them how I was not pleased by the way they were handling things, but they showed no remorse for what they were doing and completely ignored and refused my requests. I have been defrauded and seriously taken advantage of from another telemarking company offering nothing but lies and deceit! They did not provide what I was supposed to receive, and they knowingly did this! 
Please help me get my money back from these conn artist,  I know the FTC is cracking down on many companies such as these for selling deceptive work at home schemes, who have taken millions from consumers. 
Thank you in advance for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: I 'm being charged on a credit card account used without my knowledge after a divorce. The charges are due to identity theft. 
Already reported this account as fraudulent. The bank keeps sending me letters with overdraft charges from 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed information with Equifax regarding XXXX accounts that report on my credit file as XXXX. It has been over 30 days and Equifax was n't able to verify the accounts with XXXX however they are still being reported on my credit file as of XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Student loan (Non-federal student loan) with NELNET, INC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: We 've had this loan for a while now and in it 's simplest terms the amount applied to the principal versus the amount to interest is silly. Out of XXXX applied in may 2016 applied to interest is XXXX and XXXX applied to principal and it 's been this way for the entire loan process and we are having a difficult time repaying the loan back at that mthly amount. We tried to get it lowered they say we make too much money which is a silly comment at best. This whole loan with Nelnet seems like it should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Student loan (Private student loan) with DISCOVER BANK (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hello. I am a XXXX military veteran. I had all my student loans on forberance. Upon my arrival back from XXXX. I get a call saying my forbearance had expired and I did not reapply. That is not true, I did resubmit and faxed my orders to XXXX XXXX XXXX. Without that forberance my score went down and my credit hasn't been the same since 2012! Plus, my loan account moved to another provider and I never knew it! They were sending mail to an old address and did not have the correct number to contact me. So, by the time I would reach out to someone on my behalf ... the loan had moved! Very frustrating. My credit is jacked, my grandparents who co-signed for me ... their credit is messed up. I 100 % know I play a huge role in this and I take responsibility for my mistakes. But, I serve my country and comeback home to set things straight and I haven't been able to get a grip on my life and my credit life yet. Forberance was the only thing helping my credit score stay above water until I can make payments consistently and comfortably. Now, I hate when my phone rings and I just want to get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: My credit report company refuses to get rid of the dispute on my credit. I told them im not disputing my car and i wrote to XXXX exquifax and XXXX and requested that they take it off. XXXX also telling them to take it off as well. They told me they wont re investigate and that information is correct and that they wo n't take it off my credit. I sent them letter and told them countless time to remove it. The person im dealing with has pulled my report. Several times and my score has dropped alot and i have a baby comming and i ca n't stay in this condition. I live in a hotel room paying XXXX a week and i 'm feeling really fustrated right now

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: RE ; FAY SERVICING - LOAN # XXXXplease help me!!!! Fay Servicing has been giving me misleading information regarding the application for a HAFA Short Sale to avoid foreclosure. 
Now after XXXX months since i applied for a loan workout when my loan was still with XXXX XXXX XXXX and somehow the loan was transfer to Fay Servicing after i request for a copy of the original loan documents. 
FAy Servicing has been manipulating my review, i have provided every single document requested by XXXX XXXX. Which she advise me that she will no longer speak to me over the phone becuase i havent paid my mortgage. 
I called numerous times to get a manager and they keep disconnecting my calls. 
Fay Servicing has set a sale date for my property for XX/XX/2015 and even though the previous offer that i submitted to Fay Servicing backed out. I was able to get another offer which it was submitted to Fay Servicing since XX/XX/2015 with all the required documents. 

So far no response from any one. 


Please help me!!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Bloomingdales needs to delete and remove this fraudulent account immediately from my XXXX credit report. I did not authorize this account.

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 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX 2016, I completed credit counseling in order to get a debt management plan. My payments from American Express were changed from the XXXX of each month to the XXXX of each month. This was done in XXXX, as the debt management plan began on XX/XX/XXXX. However, I noticed that my payment made on the XX/XX/XXXXthrough the debt management plan has been marked as 30 days late by AmEx by the credit bureau. I have disputed this with XXXX as well as requested a change from AmEx to no avail. All my other payments have been made on the between the XXXX and XXXX  through the XXXX and have not been reported as late so I am unable to understand the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2017 CREDCO RE : Request for investigation of Unauthorized Inquiry I check my personal credit report and found an unauthorized credit inquired with your bank information I haven't give the authorization to any institution to check my credit. I request the you initiate an investigation to determine who authorized the credit inquiry. If, once your investigation is completed and you find my allegation to be true, please remove the unauthorized inquiry. if you find the inquiry to be valid, please send me a description of the procedure used in your investigation within 15 business days of the completion of the investigation. 
Thank you : 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