milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgment on my credit report from XXXX/XXXX. It is saying unpaid but I finished paying in full of XX/XX/2015. I was told multiple times by XXXX that it would be updated but it has not.

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 05-06-2016 about Credit reporting () with LEXISNEXIS (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This credit reporting agency attempts to circumvent the entire system of the CFPB. Basically, this agency types up a standard template response in an attempt to quickly close consumer generated complaints. In fact, under original complaint filed with the CFPB ( XXXX ) filed on XXXX XXXX, 2016, this agency stated that they would make the appropriate corrections within the 30 day Fair Credit Reporting Act. Well, it is now almost 60 days, and this disorganized, unethical company has not provided any updates, no communication, nor have they followed the Fair Credit Reporting Act. It is no wonder that most large companies do not depend on any information from this credit repository.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I received a notice from TransUnion, dated XXXX XXXX. I received the notice XXXX XXXX. The notice said my credit score had a negative item. The notice said I could call this phone number ( XXXX XXXX ) to find out what the negative item was. That phone number is 'not valid in my location '. 
I tried going to the online address that was on the notice to view the information and was n't allowed. TransUnion wo n't allow me to set up an account -after I gave all the necessary information. TransUnion wo n't allow me to view the negative information.

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 09-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Instead of putting extra money I pay each month towards my principle to lower my loan they continue to add it to a future payment. When I called, the service center is outsourced, specialist said to the let the loan ride a few months without payment ( even though I pointed out that would mean Navient is still collecting interest those months ). Asked to speak to a supervisor and she told me the same thing, said she could n't help because I had impeccable payment history. Requested through XXXX messaging and email a phone number for someone I can speak to regarding fixing my loan payments, and get referred to the outsourced number and now being completely ignored. 

What I am trying to do is send all extra funds to principle instead of future payments, I do not want to pay ahead ( advance payment counter ). I would like them to go back and reapply all extra that I have paid the last six plus years to the principle. This can be done, multiple former employees said if I ask it can be done and that Navient counts on people to pay the loan ahead to keep interest building. I would like this corrected for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (ID).
Issue: Loan modification,collection,foreclosure

Complaint: My husband passed away in XXXX. He had a reversed mortgage on our house - I was not old enough at the time to be put on the mortgage. After he passed away I contacted the mortgage company and found out they had a new program called the " non-borrowing spouse '' program where, if I qualified, I could remain in the house. I did all the required paperwork, they kept asking for more all the time dragging it out. They have put a foreclosure on the house and I need that action stopped until this issue can be resolved. I called the mortgage company weekly to get an update and was always told it was in the review stage and that they needed additional information. I immediately faxed all required documents - they probably have XXXX or XXXX copies of everything. When I called them on XXXX/XXXX/15 XXXX told me that I had been denied because I had n't had everything to them within the 120 day requirement. At no time was I told that I had 120 days to get all of this done. Actually everything was to them within that time limit but they are the one 's that kept asking for more and more. They also said that I would have a letter from HUD stating that I was denied within 10 days and I have never received a letter from HUD stating this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: To whom this may concern, I 've been trying to resolve 6/24/17 7/30/2017 the multiple negative student loans that currently appear on my credit report. Please note XXXX XXXX XXXX account # XXXX has reached its statue of limitation in my state ( FLORIDA ) of 5 yearsfor reporting on my current credit report. This account has also been charged off and transferred to another agency. Currently this particular student loan has beenconsolidated however the negative accounts have truly been hurting my account. 
The Credit Bureau ( XXXX, XXXX & XXXX ) are neglecting to verify the accounts properly to determine to determine which ones are duplicateor originals. Due to poorlack of investigation I 'm requesting that all of the accounts be removed from my credit report.As stated above the loans in question has been consolidated and these negative accounts are truly hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was called on XX/XX/XXXX about a debt originally from my JC Penny credit card through GE Capital dating back to XX/XX/XXXX. When I asked about the Statute of Limitiations on this debt they said it was 7 years. I asked again and was told 5 years. This is not true, according to Kansas Statute KSA 60-512 the limit for action on credit card debt is 3 years. 
The debt collector also said that they were calling to help us avoid being sued for the debt with a trial on Thursday XX/XX/XXXX. I have never recieved a summons for this date. 
On XXXX/XXXX/XXXX the debt collector called again and did not believe me when I told them the statute of limitations is 3 years but said she was not familar with Kansas Law. Again they said they were calling to help us avoid a court date this time on Thursday XX/XX/XXXX, again i have never recieved a summons for this court date. During this call I asked them for their name, company, and street adress. They said their name was XXXX XXXX from XXXX XXXX XXXX but would not provide a street address, saying that they can not give the address due to terroristic threats. They did provide a fax number XXXX. 
Also they continue to use my maiden name even though this debt is from after my marraige. 
I have tried searching for thier information using the Company Name, XXXX XXXX XXXX, the fax number they provided and the phone number they called from. I have not been able to locate any information about this company and am therefore unable to make any written requests related to this debt.

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on Equifax and XXXX Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. XXXX  not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XX/XX/XXXX, no report XX/XX/XXXX, or XX/XX/XXXX and now reporting again XX/XX/XXXX.  Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XX/XX/XXXX and Last Payment XX/XX/XXXX ... probably correct. 

-- wife loss job in XX/XX/XXXX ( not her acct ) and I have not worked since XX/XX/XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XX/XX/XXXX left message stating they were XXXX XXXXl ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX and wife ; s SS by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company Breaks Credit Card State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I make all of my payments on time and even sometimes make some extra payments on my student loans. However, Navient makes repeated errors in crediting my payments and the only way for me to get them resolved is I have to call and spend 20-30 minutes on the phone whilst they correct the mistake. The errors are always by their representatives, often just typing wrong numbers in but the company does nothing to correct them unless I call to complain ( and wait on the phone ). Last year, they made so many mistakes I demanded compensation and after first telling me that the Dept. of the Education does not allow it, I forced them to escalate until they determined that they were allowed to credit me with {$25.00} but even that they struggled to do correctly. If this sounds generous please realize that I spent about XXXX hrs on the phone to get to the point of getting compensation but I was determined to try and get some level of accountability out of the company. All was fine for a few months but now they have just taken a payment, failed to credit it to my loans and I have spent 30 minutes on the phone whilst they correct it. I had even received a confirmation email of the payment but the employee had apparently left one number off the record and so the money was put in some Navient holding account which they do not look at unless a customer calls up to complain. Eventually I was told they would have reversed the payment but meanwhile they would be making interest on the funds. I see no reason why they would not automatically look at funds entering the account and see what the problem is. My case would have been simple to solve without even contacting me and this is what any reputable company would do. Additionally, any ethical company would compensate customers when a company representative makes errors which cause the customer to have to waste time on the phone whilst they correct them. Perhaps a 12 month rolling schedule where first mistake is {$25.00}, next one {$50.00} and so on because I really do not get the impression that Navient is interested in being accurate so financial penalties might get their attention and would at least compensate customers for the inconvenience. 
Lastly, why will Navient not accept a credit card payment online for the regular monthly amount but will over the phone? Makes no sense and if they did it would help reduce their error rate. They also do not accept extra payments online even if you use a bank account ( seems like they do not want to encourage people to pay off loans early ) and so force you to call them to do so. 
This company has not changed any of his practices in the last 2 years and the problems and wait times are only getting worse. Please hold them accountable and make them address these problems.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Currently, I have a credit monitoring service courtesy of the recent OPM hack. After receiving some alerts, I perused my file and notice an inquiry from a company called XXXX, XXXX, in XXXX XXXX, 2015. I do n't know who this company is or how this company received approval to review my credit report. I want this inquiry removed from my file. I have not followed up with the credit bureau reporting this information ( EQUIFAX ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX I applied for a HELOC from my mortgage company. After i disclosed all information to Chase i was told over the phone my credit score did not meet minimum level for Chase HELOC policy. At no time during phone application process did the Chase representative disclose to me what the minimum credit score Chase requires for a HELOC. My on time mortgage payments are excellent over the past few years. Currently I have a substantial amount of equity in my home and Chase is not allowing me to access it I need to access the equity in order to settle some outstanding accounts that were damaged due to a divorce that was finalized on XX/XX/XXXX. I have been consistently improving and repairing my credit since my divorced was finalized. The equity in my home is mine and i am only asking for a small portion of the equity to settle credit accounts in order to continue repairing my credit, Chase did not disclose to me that they require a minimum fico score to be approved for a HELOC.. I have been a Chase customer for many years but they will still not allow me to access my equity.Totally unfair lending process.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Having a PayPal account that I use for XXXX etc ... with a XXXX visa card was removed and replaced with a Walmart master card that was not activated by me, when I called Walmart they would not give me an explanation on this matter of how the card was used or got into my computer without my consent and said the card did not have to be activated and that it was just for in store purchase, again I asked how did this get into my account with PayPal, no answer was provided. also contacted synchrony bank and PayPal with no results. After closing a account with Walmart about 3 months ago they still sent a new card which was not used by nor activated by me. Dates of use are XXXX to XXXX with a amount of {$600.00} and the reason I discovered this was declined payment on XXXX  purchases thru the holiday shopping and seen wall mart in place of XXXX visa.

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 03-02-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I submitted an Income Sensitive Repayment Plan form to American Education Services ( A.E.S. ) via a fax and certified mail and I received an email from a XXXX ( a representative of A.E.S stating that the Income Sensitive form form was received on XXXX but as of today my AES account states that my student loan is 5 days past due and this information is being reported to all the credit bureau agencies. Every time I contact A.E.S. I am giving excuses as to why my account has not been updated to reflect my Income Sensitive Repayment Plan. I has told them on numerous occasions that I am and have been unemployed for several years and this Income Sensitive Repayment Plan will keep my acount in good standings and also keep in from going into default.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was informed of an unpaid XXXX XXXX collection reporting on my credit report on XX/XX/2017. I was surprised, as I never received any type of notification or demand for payment from either XXXX XXXX or Stellar Recovery. 

I promptly called XXXX, ascertained it was my debt, and paid the account right away. I argued that since I never received a dunning noticed allowing me to cure this debt before it was credit reported, I expected them to delete it from my record. XXXX asked me to call /Stellar Recovery. On XX/17 I called them, explained to them the situation, and they confirmed they had an OLD address, and still denied my request to remove this item from my credit report. 

Please be advised that I have consulted local and state consumer protection agencies with assistance regarding the credit reporting of the above referenced account.Specifically, I have sought advise as to recently discovered adverse credit remarks on my credit report. I was informed that both the Fair Debt Collection Practices act and California Rosenthal Fair Debt Collection Practices Act protect consumers against unfair collection practices and malicious persecution. 

Further, creditors or collection agencies are prohibited from submitting information relating to the consumer to any consumer reporting agency if they have been notified by the consumer that the information is inaccurate pursuant to 15 U.S.C 1681 ( S-2 ). I  hereby remain adamant that should I have been given the opportunity to dispute or pay, I would have exercised my rights as prescribed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt in regards to an apartment that I never lived in is on my credit report. I have contacted the original creditor and the collection agency. The collection agency seems to be going after me for something that I do not owe as I have not lived outside of my parents home and also mentioned another person who never lived at this apartment that they are trying to collect money from. This has been taken up with them before and no police agency will take a report for something that is 6 years old as the collection agency is requesting that I file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Payday loan () with Global Credit & Collection Corporation (MI).
Issue: Can't contact lender

Complaint: debating onI received a phone call from a company calling themselves global collections services with a return number of XXXX threatening me to take me to court on a payday loan of {$350.00} made in XX/XX/XXXX that I did n't pay back. I never made a payday loan on the month in question. When debating on what to do it just so happened my mail carrier had a package for me to sign for he asked me what I was up too I explained to him that I received this phone call stating I owed {$350.00} for a payday loan that I never made and that I was being threatened to be taken to court. He informed me he also got a call similar and that he was going to call them back after work today ( XX/XX/XXXX ) after checking out this company and complaints I called the FBI and they told my to call the FTC and I was connected to the CFPB to report fraud activity and whoever they are they seem to be targeting the XXXX area in XXXX Michigan. How can I stop these activities and is there any legal actions that I can take? I am a XXXX year old man and calls like this made me very nervous and upset. I can only imagine what it could do to other senior citizens who are n't as alert to scams like these. I read of the complaints that were publicized that many senior citizens were threatened to lose there homes. bank accounts etc. And lost thousands of dollars due to scams such as this!

Company response to consumer: Closed
Consumer complaint received 03/23/2018 about Debt collection (Other debt) with I.C. System, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: So I moved transferred my cable service XXXX never transferred the account to another address. I paid the final bill and they turned it over to collection who in turned reported inaccurate info to my credit bureau and I owed them nothing

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