milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: In XXXX of 2017 I wrote to XXXX, Experian and XXXX  asking them to verify several accounts that were unbeknownst to me and I have yet to see a response nor a change in my report. The accounts are as follows : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX 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 non-monetary relief
Consumer complaint received 10-04-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MD).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On XXXX XXXX, XXXX I submitted correspondence to Ally Financial because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment. Attached you will find the letter I submitted to Ally Financial on 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 01-08-2018 about Student loan (Private student loan) with SLM CORPORATION (OR).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My daughter tried talking to Sallie Mae the lender and was told informally that she would have to be past due for three months before they would help her. I am co-signed onto this loan and apparently they are now coming after me for payment. I have received several phone calls from them and the voicemail asks me to call them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been working towar d Public Service Loan Forgiveness for 8 years, paying under an income driven plan. I called   Fedloan Servicing on  XXXX / XXXX /  XXXX   to ask why my monthly payment had changed. The person I spoke to suggested I change my repayment plan to the standard 10 year repayment plan to save on monthly payments. I asked repeatedly if this would affect my  PSLF  eligibility. They said i would still be eligible for forgiveness in 2 years. I applied. I called back 10 days later to check status and ask someone else if eligibility would be affected. They said I should still be eligible and that the request was pending. When the request was approved, fedloan servicing sent me the repayment terms. The terms ere standard payment for a 20 year plan. Only the 10 year plan is acceptable for forgiveness eligibility. I called. The operator noted that when i consolidated, I was put on a 30 year repayment term and could not deviate. She told me I had to now reapply for an income driven plan. My request is still pending. This inaccurate information from the servicer will result in a delay of my forgiveness.  Imagine  if I did not understand the program and made payments under the new plan, only to be denied eligibility for forgiveness in 2 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (GA).
Issue: Trouble during payment process

Complaint: I was shocked when I reviewed my credit report and found late payment on several dates. 
XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, NXX/XX/XXXX 90 days late, on XX/XX/XXXX 120 days late XX/XX/XXXX 120 days late. This is alarming and I am not sure how this happened, I went to a period where I had to refinance but I believe that all payments were made on a timely matter when I received my statements each month. This is not accurate and would request a full investigation to verify the information and refund on all late fees assessed on my account. I have contacted US Bank in writing twice already but have not gotten any response regarding this. I know my rights and according to the FDCPA laws that is more than the allowed time period needed to resolve my issue. Please help

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 04-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I currently do not have trouble paying back the loan on the terms provided by my lender. That being said, from a consumer standpoint, I find my provider, Navient, formerly XXXX XXXX, to be so inflexible in the terms of repayment for their credit that it bridges on the unethical. The company provides no options to refinance my loan, to consolidate my loans, to extend the payment period for my loan, or to defer or forbear on my loan ( note, they offer the opportunity to defer the loan for a three month period for a fee of XXXX dollars, which is a palpable absurdity when one considers that a person asking for forbearance is experiencing a financial difficulty ). On XXXX occasion, I called a customer service represented to ask why my loan was so inflexible and they were unable to provide a reason or explanation. This has affected me in the past though I am currently ahead on my loans - and my fear is that this inflexibility is causing extreme financial harm to others like me who have lent from Navient but are not fortunate enough to have the means to make their monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Bank account or service (Checking account) with Comerica (CA).
Issue: Account opening, closing, or management

Complaint: I had a Comerica checking account from XXXX XXXX, 2016 to XXXX of 2016. The branch manager is XXXX XXXX. Her phone is XXXX. Branch is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I need access to check images from this account for tax purposes. Comerica is trying to charge me {$5.00} per check image. There are a total of XXXX check images, which could come to {$1500.00} to access electronic documents. I 'm fine with electronic banking, which saves paper and postage, but I should be able to access my own information for some reasonable fee. Comerica 's business model seems to be based on predatory fees. ( For instance, overdrafts are assessed XXXX fees -- XXXX for {$36.00} and another for {$25.00}, making a total of {$61.00} per overdraft. They also start with the smallest overdraft rather than the largest to maximize their take. ) I 'm perfectly willing to pay some kind of reasonable fee to gain access to my account info, but {$1500.00} is ridiculous. The branch manager is much more interested in squeezing more money out of customers so she can look good on her quarterly statements than working with me to find a reasonable solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved into an apartment and began getting collection calls for the previous tenant. Midland credit management refuses to update their records. They have been calling me for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Due to a security breach, an account by XXXX XXXX was attempted to be opened on XXXX/XXXX/2016 with my information. It was denied, but the hard inquiry still exists on my credit report. Both XXXX and Transunion will not remove the fraudulent inquiry from my report, saying only XXXX XXXX can request it to be removed, but it will still take 2 years to remove from my account. I will soon be in the process of buying a home and do not want this fraudulent inquiry to affect that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to explain to the credit bureaus I have not given the creditor nor the credit report agency permission to request my credit profile nor requested the credit reporting agencies to put this on my credit file and I have credit with none of these creditors.

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 11/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX. XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX XXXX concerning not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX XXXX XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Equifax. I have attached screen shots of the CFPB portal showing XXXX XXXX XXXX 's response in which they claim they can not find any account matching my information. They cite a 3rd parties name claiming they looked under that name as well and could not find any account. XXXX XXXX XXXX has been provided with my photo ID, credit report, social security number and DOB and was unable to verify an account. When I have previously disputed this account through the traditional method of directly to the credit bureau via USPS I received notification from the credit bureau that they validated the debt - however when I reached out to the creditor I was met with the attached response. This debt is not mine and I have proven that multiple times. Now I have proof that XXXX XXXX XXXX can not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Applied for a credit card. The card I received was used for fraud in less than 24hrs. I was informed by chase that a previous card was sent and was used for fraud without my knowledge and that this card was my replacement only to find out in the same conversation that the actual card I had received would be cancelled and that a new card would be sent but the previous representative told me the wrong information and my current card was good. I closed the account immediately. I had the card less than a week! Now I 'm concerned if it was done at Chase or if someone has access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Account opening, closing, or management

Complaint: , On XXXX XXXX 2016, I went into the Suntrust XXXX XXXX XXXX XXXX Branch, I had received a large deposit that went in my account. I went in to the bank and agreed to pay the entire amounts that I owed Suntrust for a closed checking and savings account. The banker added the amounts and provided me a with-drawal slip for the total amount due, there were two cashier checks made out to the department to which I owed, I have copies. I see on XXXX XXXX 2016 Suntrust processed a draft out of my other account for the same amount that I paid one account on XXXX XXXX 2016. I was never contacted by any representative from Suntrust, had they contacted me I would have gladly told them I had already submitted payment 10 days prior through the banker at the Brank. I do not know what happened by someone did n't research it, I did n't mail the checks the banker handled that I have receipts that it was paid, the original amount clearly shows in my account that this money was in-fact deducted from my account on XXXX XXXX 2016. This is the 2nd time that Suntrust took funds with-out talking to me or even attempting to contact me, back in XXXX I received some funds, I had gone into the branch and spoken to the bankers. I was told my account would be noted that I would make payments on the owed money, two days later they took XXXX out my account leaving with XXXX to pay my bills or even live on, although I new I owed money I had been assured that only the amount I had agreed to would be deducted.

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 07/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My son graduated from college this past  XXXX . Before he graduated, we called  Nelnet   (  his loan service provider ), and asked when interest on his loans would begin to accrue.  Nelnet  told us that interest was deferred for 6 months from his graduation date. Then shortly after he graduated, we again reached out to Nelnet, this time via a recorded chat and asked the same question - and were told the same answer. Mind you, we still have the recorded chat to refer to. Today, we received an email with a new statement attached, so we logged-in just to confirm all looked status quo. Much to our surprise, the distribution from his freshman year showed accrued interest. Upon calling  Nelnet  and speaking to an " Account  Manager  '' in addition to a front line phone person, we were told that his freshman year distribution was during the time period when  Congress  had repealed the " grace interest subsidy ' ' (  XX/XX/XXXX  - XX/XX/XXXX )  so interest began accruing the day he graduated and would continue to accrue until paid in full. How is it that the two initial people we spoke to at  Nelnet  via phone and live chat, did n't seem to know this? We, of course would have paid off the freshman year distribution then back in  XXXX , and not waited so interest was accruing. Additionally, Nelnet spoke to us on the phone like we had not done our research, nor were they willing to do anything for us. This is wrong in so many ways!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Today I got a credit alert from Equifax and there was an alert that decreased my credit score. The alert was on an inquiry from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XX/XX/XXXX. I called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe Equifax and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX 's account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: As I write this I am in tears since being victimized by IDENTITY THEFT in XX/XX/XXXX and the credit reporting agencies failing over and over and over to remove fraudulent attempts to apply for credit because XXXX  breached my identity and they now have my : DOB SSN Current Address All three of the credit reporting agencies were sent VIA FIRST CLASS MAIL a request for 7 yr fraud alert along with copies of the XXXX Police Report filed after my identity was stolen. To date, none of them have put this 7 year fraud alert, and when the 90 day alerts expire, that is when the flood of fraudulent applications appear again as hard inquiries, which continue to plummet by FICO score and I have had to spend hours and hours with the creditors to tell them I did NOT apply for credit, or I have to cancel credit cards that have been used online fraudulently. I have gotten to the point where I have chosen to cancel credit cards because the banks that represent them have failed to secure my identity, and continue to let applications through even though their are security freezes and fraud alerts on all 3 credit reporting agencies. 


I had an average credit score of over 800 prior to XXXX ruining my score which has plummeted 25 points and higher because they REFUSE to remove the hard inquiries. 

I have screamed at XXXX and they said that they are EXPERIAN inquiries, and you have to contact them,, over 120 days ago I did just that after being flooded with letters from creditors saying they turned down my credit because of too many inquiries and applications for credit that I DID NOT do. 

prior to EXPERIAN being notified I was told I could put a security freeze, which I do have in place BUT they still have refused to remove the hard inquiries and now my FICO score has dropped 25-40 points since XX/XX/XXXX 

Now I am considering legal action by going to XXXX XXXX XXXX  reporters to help me get them to do their jobs and when the Trump Administration 's XXXX, your new Director dropped the complaints and investigation with CFPB on XXXX data breach and I am livid about that. 

I can't get any credit because after months the hard inquiries are still on my report. Experian told me they would do an investigation and remove them! They've done nothing expect ruin my life since I have to field weekly calls, letters, and emails stating I am applying for credit and is this fraud? 


that 8 hard inquiries were fraudulent and I provided a POLICE REPORT, I provided correspondence to make the 90 day fraud alert, permanent for 7 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 with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was on my Grandmother 's account an an authorized user and she fell ill and fell behind and asked that I be removed! They are refusing to remove it from my credit report and now have the account in a Terminated Status! Please see below! I do not even have the card and I am not the primary person! I have disputed it with XXXX XXXX and they removed me but the credit bureau is still showing it in error! 
Account Name Account Type Open Date Status Balance XXXX XXXX Credit Card XXXX XXXX, XXXX Open - XXXX Days Late XXXX Missed Payments {$0.00} 0 % of Credit Limit* Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$0.00} Responsibility Terminated Balance {$0.00} Highest Balance {$420.00} Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Date of Last Payment XXXX Amount Past Due $ 0 Times XXXX Days Late XXXX Remarks Dispute resolved ; reported by grantor Payment History Latest Status : XXXX Days Late XXXX OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK J F M A M J J A XXXX O XXXX D XXXX XXXX Days Late Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX BANK USA NA XXXX XXXX XXXX XXXX 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 02-06-2018 about Debt collection (Credit card debt) with Aldridge Pite Haan, LLP (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from ALDRIDGE PITE HAAN , LLP on XX/XX/XXXX, stating that they are a law firm that represents XXXX XXXX XXXX and they were contacting me to collect on a debt that I owed for XXXX. Their letter also stated that, " No attorney at this firm has personally reviewed the circumstances of your account '', which I find to be very odd and suspicious. I responded back to ALDRIDGE PITE HAAN , LLP in a letter on XX/XX/XXXX,  stating that I have no knowledge of this debt or have any responsibility to this debt, in others words, it's not my debt. I stated that this maybe a result of identity theft. I instructed the firm to stop all communications with me and if they stop the collection of this debt, and forward or return it to another company, please indicate to them that it has been disputed. If they have report it to a credit bureau ( or have already done so ), also report that the debt has be disputed. ALDRIDGE PITE HAAN , LLP has totally ignored my instructions and still is, contacting me. They are still trying to force me to pay a debt that is not mine. They mailed me a printed out file of papers of the debt that they are trying to collect on. It's not even a contract and it doesn't even have a signature on the paperwork. It's not my debt.

Company response to consumer: Closed with explanation