milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Had to re certify my income based student loan plan. AES did not obey my request to discontinue automatic payments, and then after my IBR plan was approved, they still took out the prior amount. They set the " effective date '' of the plan in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX sent a letter referencing information I should have received about servicing enhancements. The referenced information was never received. As a result of " Servicing Enhancements '',  XXXX created new loan numbers that were credit reported in addition to the original loan numbers. Consequently, the addition of the new loan numbers had an adverse effect on my credit score and rating. I am currently in the process of obtaining a home loan. Due to the negligence of XXXX XXXX XXXX XXXX XXXX incorrectly reporting 4 accounts to the credit bureaus, including 2 original accounts and 2 new accounts, the adverse effect of the new loan numbers negatively interfered with the home loan process. Thus, I requested immediate removal of the new loan numbers from my credit. Additionally, due to the damages caused to me from the negligence of XXXX XXXX XXXX XXXX XXXX, I requested our relationship be terminated immediately. I offered to settle the original accounts with immediate removal of the all accounts from my credit to release XXXX XXXX XXXX XXXX XXXX from the damages caused by negligence in unauthorized new loan numbers and credit reporting. XXXX XXXX, XXXX Representative, has been rude and has not resolved the issue. After sending him documentation of the adverse effects to my credit and a resolution letter, he maintained that the company " reported correctly '' and the company rejected the offer to settle.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm writing this grievance in regards to XXXX XXXX  XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and XXXX through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. XXXX has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (

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 09/23/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I purchase my homeowner 's insurance since XX/XX/XXXX. 
I received a notice of escrow account statement on or about XXXX XXXX, XXXX although it was dated XXXX XXXX, XXXX. 
In the statement it shows that I will be charged {$5700.00} for HAZARD INS. 
I have my own hazard insurance with XXXX XXXX XXXX XXXX of Florida. 
The cost of my homeowner insurance is {$980.00} and it is paid for until next year XXXX/XXXX/XXXX. 
I tried to call Seterus since the notice. I have called XXXX many times. 
I was not able to speak with a live person. I left messages to call back. There was no call back. 
This forced placed insurance will be a double insurance on my house.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was told by Bank of America that they could not apply any payments because the house was in foreclosure. My conversations with BofA started on XXXX XXXX, 2015. The Notice of Default was not issued until XXXX XXXX, 2015. BofA received a payment of {$800.00} from me on XXXX XXXX, 2015 and had {$360.00} in a holding fund from a previous payment. When I talked to BofA on XXXX XXXX, 2015, I was told that no payments could be processed because the loan was in foreclosure. Had they processed the payment, the loan would not have gone into foreclosure and fees would not have been assessed. I sent BofA a cashier 's check on XXXX XXXX, 2015 to cover lawyer fees, foreclosure fees, and unpaid mortgage payments although I believe I should n't have to pay any of these fees. 

I received a document in the mail from XXXX XXXX XXXX XXXX XXXX in XXXX 2015. I called BofA to ask if this was a part of the foreclosure information. I was told by the person I was talking to that they did n't know who XXXX XXXX was and BofA was not associated with this company. XXXX XXXX is the company that filed the notice of default but because of the conversation with BofA, I thought it was some sort of scam. Today I asked my Account Manager, XXXX, to please fax me a copy of the Notice of Default. She faxed me a letter from BofA that is not the Notice of Default. I have attached the Notice of Default and the letter that XXXX says is the Notice of Default. If the person helping me does n't understand what the legal documents are, how am I supposed to receive quality information and help from BofA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XX/XX/2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Bank account or service (Other bank product/service) with NORTHERN TRUST COMPANY, THE (FL).
Issue: Account opening, closing, or management

Complaint: This would be my response to Northern Trust based on further documentation provided by Northern Trust in response to Consumer Finance Protection Bureau case # XXXX filed by myself XXXX, which was closed, in relation to my ability to perform an accurate accounting of my father 's estate performed by Northern Trust XXXX XXXX XXXX with XXXX XXXX as the executor.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, XXXX, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.

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 05-04-2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted the company on  XXXX     2017 after a collection letter was mailed to my mailing add ress, they told me that amount that I owed for  XXXX   XXXX   XXXX  even thought I knew that the amount was less that they were telling me, I was on fear to this collection to be reported to my credit reports ( Which they reported anyways ) after I saw the collection on my credit report I called them and made an verbal agreement to Pay To Delete after the debt is paid off and I agreed for a monthly payment of {$94.00} on  XXXX / XXXX  /2017 a  first payment was taken on that day and 3 days later they took the other amount without warning on  XXXX / XXXX /   2017,  I called them back and they said that the agreement was on the first of each month so they took the money, since I want this account out of my credit report I agreed to the first of each month to the amount of {$94.00}, today  XXXX / XXXX /   2017 th is compa ny without warning took the amount of {$180.00} causing my account to go to negative state and results of NFS charges I called them and I was told that was in the agreement and to fax copy of my bank statement to them which I did. The represe ntative was very nice but refuse to listen to my problem. I was never told by phone that I have the right to dispute this debt but as a citizen I paid anyways to avoid annoying phone calls.

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my XXXX credit report and noticed there was 46 hard inquiries. I did contact XXXX and they advised me to reach out to the creditors for a letter of deletions. None of the inquiries did I authorize. I called several of the creditors and they explained that they get most of the information and authorization off line and my name, social security number and date of birth were used. So they did not grant any deletion letters. I wrote a few creditors and have yet to receive a response. I again contacted XXXX to open and do a through investigation because I believe some of my personal information was compromised. They are still refusing to do so and these 46 inquiries have really impacted my score. After speaking with 3 supervisors XXXX XXXX, XXXX. and XXXX my concerns have yet to be addressed. I feel as a consumer I should not have to go through all these loopholes when there has been so many breaches and so much compromising of personal information. I have add since added a fraud alert to my accounts and I also so monitoring of my accounts. XXXX need to come up with a consumer sufficient process when people have concerns about their report. I am truly dissatisfied with the lack of empathy that XXXX offer to their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was attending career point college and it close down due to mishandling federal funds. while i was attending i took out additional private loan to help me pay for school, i was issued stipend checks monthly to pay with .every since the school closed down i have n't received a check ... i did n't take all of the classes that was accounted for. i hopefully you all can help me lower or dispute this private loan. thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax : ( While trying to make an inquiry ) With every choice of a menu item, they seem to add a delay ; so, it takes a lot of time to correct a false credit report item. Also, in the middle of my effort ( after a large investment in time ), the process was ended by Eqifax with a message : " SYSTEM CURRENTLY UNAVAILABLE '' We are unable to process your request '' " Please try again later ... '' and they suggest going to their email inquiry process. ( and starting over ). 
This is n't the first time they used this tactic. It worked on me the first time ; but, I 've resolved to complete it. 
Also, although I 'm going to see if there 's a specific page within your site where I should report this, I was surprised to see an inquiry from Vivint on my credit report. I did not knowingly authorize this. It 's a concern since my score has decreased by XXXX % in 6 weeks. I 've authorized XXXX or XXXX inquiries and would n't have expected this. There have been no other net changes to other credit report items.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax failed to protect personal data which enabled my records to be compromised. I was never sent a notice my data was vulnerable and that a breech had occurred. The company still has not notified me or stated a clear date that the breech occured. They just state it happened between mid-XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Given the recent news about Equifax being compromised and my personal information potentially being exposed to identity theft along with financial information being stolen, I was directed to this website to check and see if I am one of the consumers affected. https : //www.equifaxsecurity2017.com The website has minimal information. It gives you an option called " Potential Impact '' to see if you 've been compromised. Once you click the option, it lists the following instructions : " To determine if your personal information may have been impacted by this incident, please follow the below steps : 1. Click on the below link, Check Potential Impact, and provide your last name and the last six digits of your Social Security number.
2. Based on that information, you will receive a message indicating whether your personal information may have been impacted by this incident.
3. Regardless of whether your information may have been impacted, we will provide you the option to enroll in TrustedID Premier. You will receive an enrollment date. You should return to this site and follow the How do I enroll? instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, XXXX XXXX  2017. '' Once you proceed, it only asks for your last name and last 6 digits of your social security number. Once I submitted this information, it only gave me a date to return and check again. It did not say whether or not my personal/financial information was compromised and it seems as though it automatically opted/enrolled me in their TrustedID Premier program. It DID NOT give me any options. This website, even though is an official site registered by Equifax specifically for this issue, looks very suspicious and not secure at all. It 's falsely advertising they will tell you if you 've been compromised, but it does not! It also enrolled me in something without my consent. I 'm now worried that I provided personal information for no reason on a website that can again be easily hacked or compromised from a company that has already been hacked and compromised. I 'm worried and anxious that I have in fact been compromised, but there 's no way for me to confirm before damage has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (IL).
Issue: Trouble during payment process

Complaint: XXXX XXXX through their Research Services Department sent a letter to me documenting that after I closed a Mortgage with them in XX/XX/2014, I was owed {$900.00}. I have responded to CitiMortgage to get my money, now they are unable to account for the status of the refund they notified me I was owed.

Their uninformed call center in the XXXX  has no clue what is going on. It has been impossible to speak with someone who is able and willing to resolve the issue.

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 08/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an address listed in XXXX that was related to a fraudulent account. The, fraud that occurred was straightened out over 10 years ago, but the address associated with that fraud.needs to be removed from my records. I have never lived outside of California

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 03/16/2017 about Debt collection (Medical) with JH Portfolio Debt Equities, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive a debt collection letter. 
by mail that are unknown. 

XXXX XXXX XXXX XXXX //// Total Balance Paid, XXXX // Yr. 2016 ... ..other debts unknown../////// Current Creditor, XXXX.. par ) ..unknown ..

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 10-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: An individual, initials XXXX. received a threatening letter in the mail from Navient regarding my student loan. The letter contains a threat and several intentional false statements to mislead and coerce this individual into doing Navients work for them. The letter also contains my personal and private information as well as my personal financial information, including my loan balances, account number, my address and my social security number. I have never given Navient permission to share my personal information with anyone. Navient sent this threatening letter to an individual that my parents know in an attempt to get me to pay my loan back faster. This is illegal and possibly criminal. Navient used the US mail to commit this crime. That is a felony. 
The letter also provides the false information that I listed XXXX. as a reference for my student loans. This is a lie and I would never have used this person as a reference. I do n't even communicate with this person and I have certainly not given Navient permission to share my personal and financial information with this person.

Company response to consumer: Closed with explanation