milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have submitted information to correct my employer 's information and as one can clearly see they list my work in XXXX instead ofXXXX Massachusetts. My second issue is that I use my middle initial and not my full middle name. My third issue is that I was denied an credit card through XXXX due to not having sufficient number of accounts. I also have accounts with XXXX and XXXX Gasoline which is not on the reports. XXXX of the bureaus does not list a previous paid up account at XXXX XXXX XXXX XXXX. It is frustrating dealing with and attempting to dispute and clearify the above issues. I am also attempting to determine when I requested a credit report from the bureaus. I prefer to have them sent to me and not through the internet as I then have a copy for reference, particularly if I do not have the luxury of a printer or there is an issue with obtaining the copy. Once the information is lost, it is lost. Also, have tried to find the credit reporting agency that submits the information to the bureaus with no luck. Please advise. Thank you for your understanding and assistance in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXXXXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I applied for a free credit report on Experian 's web site and was charged  XXXX  a month instead. This is what the page says : When you order today, you 'll get : Free Experian Credit Report Report Refreshed Every 30 Days on Sign In Toll-Free Support Available 7 Days a Week Experia n Credit Mo nitoring Alerts FREE Completely Free and Easy Experian agreed to refund my current month 's charges, but NOT the charges from the month prior, for which they sent NO email, invoice, or any record that I was being charged. I only discovered it on my credit card statement, which of course reflected the PAST month 's charge. This is a trick. My credit card refunded my money, but I do n't want others to be duped by this unethical practice.

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 04/27/2017 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: Account status incorrect

Complaint: On my request, Experian sent a notice tha t one of  my accounts,  XXXX   XXXX   XXXX   XXXX , had been updated on  XXXX   XXXX ,  XXXX . It is clear this was an automated update and not via human review. Any person of reasonable senses could see the payment history is incorrect. It is not possible for an account to show late payments once it has been charged off, then show charged off again. That is exactly what  XXXX  's payment reporting shows. No other credit reporting agency has this error.  XXXX  solely has caused me financial loss, including the loss of a home purchase last month for which my underwriter sited this specific issue as the reason for my not getting the home ... that is now sold to someone else.     Specifically, the account was originally charged off in  XXXX  of  XXXX . The updated reporting shows that event correctly BUT then shows the account 180 days late starting  XXXX   XXXX  through  XXXX   XXXX , THEN shows the account as charged-off AGAIN starting in  XXXX   XXXX . This is causing my underwriter to view the file as just charged off this last  XXXX  rather than the actual date of  XXXX   XXXX , almost 5 years ago. In addition, the account is not showing a  XXXX  balance which is required on a charged-off 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 non-monetary relief
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've filed multiple CFPB complaints against Equifax for reinserting over and over the same erroneous " XXXX '' inquiry ( see provided attachment ) back on my credit report. Not only did Equifax reinsert this fraudulent information, they reinserted the inquiry three ( 3 ) times as shown in the one attachment. When Equifax removes information per a complaint it takes only a few months for the same erroneous information to show back up despite multiple CFPB complaints and removals.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I reached an agreement with NAVIENT and madepayment arrangements. I have FULLY compliedand paid as agreed for many years now. However, they continue to report me as making late payments. 
This is negatively affecting my credit. Because I ampunctually paying as agreed, I believe I should NOTbe reported NEGATIVELY on my credit reports. 
My school was XXXX XXXX University XXXX. XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (UT).
Issue: Problems when you are unable to pay

Complaint: Chrysler Capital is reporting as a repossession/charge off on my credit report but it is not. It was redeemed some time ago and I need it to show accurately. They are in violation by reporting wrong. It needs to show Open, active.. Redeemed repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (OH).
Issue: Problem with the payoff process at the end of the loan

Complaint: I started the loan on XXXX/XXXX/XXXX and did n't really understand what I had gotten myself into I took the loan out for {$390.00} and they have been taking a payment in the amount of {$110.00} every 2 weeks. I have been contacting the company since XXXX/XXXX/XXXX to get the payoff balance since then. I have called for over 3 weeks. I also asked them to not take any more money out of my account as I was trying to pay it off in because there is no penalty for paying it off early. the answer I get is that the system is down and it still down. Now in the last week and a half they do n't answer and want you to leave a voicemail but do n't return calls. I had to go to the back and pay {$25.00} to get the unauthorized charges after I told them to stop taking money from my account since I was paying the account off. This has a 730 % interest rate. I think that this might be a scam. The systems are down they are able to take money from peoples accounts for the payments. They are still able to start new accounts but they are unable to allow you to pay the account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I called into Navient and explained to them i could n't afford to make the payments. I informed them that I am willing to make payments and I was n't trying to neglect making payments. But I first needed my payments to be reduced down to a more reasonable payment so I could afford to make the payments or that works more with my income. 

Navient was uncooperative in helping me and refused to lower my payments based on my income. Plus I was a student at XXXX XXXX and I feel that I was taken advantage of, because I was unaware that I even had the private loan taken out. It was n't properly explained to me.Now I am struggling to make payments and I do not want this to mess up my credit and my future.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Medical debt) with Benuck & Rainey, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently received a phone call from XXXX. The company name is Benuck & Rainey. I was told it was for medical equipment from XXXX XXXX I had in XX/XX/XXXX. I advised that I had not received a bill for the {$80.00} they said I owed. I also explained that my address had changed but she did n't seem interested in correcting my billing address. The person on the phone became rude, argumentative, talked over me. etc. I explained I would not verify info over the phone and asked them to contact me via mail. I tried my best to treat them exactly as they treated me, so I was n't nice. After disconnecting the call I immediately began receiving hang up calls from them. They also called me from another number XXXX. Reverse phone search revealed this is the same company. This all started onXX/XX/XXXXat XXXX XXXX. In addition I received several call with the caller id blocked which appeared as " UNAVAILABLE '' on my caller ID. I called back and spoke with someone who stated she was a supervisor. She basically said I was a liar, and she was sitting with the representative. I told her I did not intend to conduct business with their company and asked for all correspondence to be via mail. I received another call today and was told by the representative that the company had 20 phone lines and would continue to call me. When I receive a bill, I will be happy to consider payment, not until.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Taking out the loan or lease

Complaint: I purchased a car from a Chrysler dodge auto company with average credit. I received financing from Chrysler Capital for my car loan. I was told that my first year would have high interest rates but that after a year I could call and refinance after making on time payments and rebuilding my credit. It 's been over a year and I went online to refinance and Chrysler does not offer refinancing. When I checked my payments, which are over XXXX a month ( something I was uncomfortable paying and only thought a year at that rate would be fine ), most of my payments is spent to pay just my interest and not my actual car loan. There is no way that the amount of interest I am paying for my car loan is 1. Legal and 2. Fair. I feel like both the company I purchased the car from and Chrylser Capital are not being upfront about their charges, and also misleading with offering refinance when Chrysler Capital and its lead company XXXX do not offer refinancing. I was told that after a year I could get my payments lowered. I have made all of my payments on time but have also purchased a home for myself and my children and can not keep paying just interest fees for the next 6 years until my car is paid off. Sometimes less than XXXX is going to the actual loan and I 'm paying over XXXX a month. How is this fair or right and what can I do to get my payments lowered since I held up my end of the deal by making all payments on time and wanting to refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have tried to contact this company numerous times to pay my debt, but there is no XXXX answering my calls or emails. This business seems to be closed, but I 'm unsure. I also need to know who to pay my debt to so I can close my accounts.

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 07/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015, Nationstar Mortgage notifed me indicating that I owe hazard insurance for tthe property located in XXXX, TN. I pay my hazard insurance and taxes independent of an escrow account. I have attempted, several time, to contact NationStar Mortgage to resolve the issue ; however there has been no resolution and Nationstar has placed an additional insurance on the loan account charging me extra for the insurance and indicating I have a negative balance since I was not paying for the insurance. Please see all the attached documentation submitted to NationStar Mortgage. I have sumitted my certificate of insurance several times to NationStar Mortgage. I want Nationstar to remove the addtional insurance from my loan account and refund me any monies due.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, Nationstar, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and NATIONSTAR MORTGAGE via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to XXXX and was informed that they could submit a request of deletion but only under the direction from Nationstar. I left a vm with Nationstar on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number XXXX had given to me to provide to Nationstar so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that Nationstar would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate? <P/>Representative from Nationstar : XXXX XXXX XXXX Media Analyst II, XXXX XXXX Nationstar Mortgage Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Debt collection (Credit card) with Law Offices of Timothy E. Baxter & Associates, P.C. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was garnisheed by Timothy E. Baxter & Associates for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by Timothy E. Baxter & Associates. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my Trans Union, XXXX and XXXX credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (AK).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Run my XXXX credit three times on X/XX/2017 I only authorized one of those inquiries last four digits of my social security number is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit card () with Alliance Data Card Services (NJ).
Issue: Credit card protection / Debt protection

Complaint: XX/XX/2016, I used my XXXX card to purchase a dress for {$29.00}. At that time my card had a XXXX balance and my available credit was {$300.00}. About a week later, I returned the merchandise to the store. Knowing that I was back to XXXX balance again I saved my card and I did not use it. XX/XX/2016 I get a bill for late fees that have accumulated since then. I have called the credit card company 6 times and I am not satisfied with their answer. They want me to pay a balance of {$200.00} dollars just late fees. I have been unable to use the card since XX/XX/2016 and I requested them to close the account. The amount was " closed '' but the late fees continue to accumulate. I have made one payment to solve this debt last week and finally they offered to open a dispute today and they tell me that it is going to take 60 days for them to respond to the dispute. Meanwhile, the late fees are going to continue to accumulate. I have asked to speak with a supervisor and a supervisor is apparently never available. The credit card also claims that the balance is due to the assure fees of XXXX cents a month which are creating a fake balance and therefore causing late fees to accumulate. My credit is being affected and I have to pay XXXX dollars that I did not use or benefit from

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I can appreciate the bank letting me overdraft at times to cover some of my bills but I think double and triple fees on the same over draft can be over charging a consumer I

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2016 about Money transfers (Domestic (US) money transfer) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Fraud or scam

Complaint: I received an email from " my boss '' asking me to transfer money to another bank account. My boss did not send it. Our domain name isXXXXXXXX, the email was disguised, but our IT person looked into it and discovered it came fromXXXXXXXX ( just XXXX " t '' instead of XXXX. ) The sender attached a pdf, asking for money to be wired to XXXX XXXX, via Compass Bank, XXXX XXXX XXXX XXXX, XXXX, NM XXXX. Routing number XXXX. Acct number XXXX. We did not transfer any funds, but I wanted to make you aware.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX and Transunion are reporting inaccurate information on my credit report from XXXX XXXX, account number XXXX. I have not only requested for the obsolete account to be remove but I have also requested on several occasions for both credit bureaus to provide me the format in which they disputed and who verified the information from XXXX XXXXXXXX as I know this information is inaccurate as well as they are reporting incorrect payment history, This account has been closed for several years and is eligible for deletion but yet XXXX and Transunion has yet to removed from my credit files.

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 10/20/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2017 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: Account status incorrect

Complaint: This is about my credit scoring done by Equifax. I keep up with my credit score check weekly and watch how my credit scores drop when I use my credit. Last week my score was XXXX and now it drop to a XXXX. My score will drop more than it will rise and I wanting to know why? Is this how it keeps me paying more in APR 's or what. I have no late payments, bankruptcy or repossessions on my history but yet I 've never been over the XXXX mark. I have plenty of credit history too, Im XXXX years old. So how is this a fair credit scoring system they have in place. Its almost like it to keep you from using your credit or to keep a person paying high APR 's.

Company response to consumer: Closed with explanation