milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I requested signed and proven documents from Equifax for the following inquires and they have not provide the information, which is hard copy of the application with my signature showing I applied for credit. Please remove inquires ASAP. 

Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX Dear Equifax Re : Account Name and Number According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 

Thank you for your time, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian deleted an old Bankruptcy from my file in 2015 and since adding a fraud alert and identity theft to my file ; they have readied the Bankruptcy to my File. I have disputed it even sending them the prior results and calling the courts for help ; however, they refuse to remove the Bankruptcy as XXXX and XXXX did. 

I am waiting to close on my house in 45 days my second extension ; and if they do not remove this is face a 8 % interest rate compared to a XXXX. 
I called the XXXX in XXXX XXXX and I was told that the Bankruptcy should be deleted and they are no longer reporting it.

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 10/29/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Credit Score for Equifax XX/XX/XXXX was XXXX. My Current Credit score is XXXX. My wife 's current credit score is XXXX. For XXXX my Credit Score is XXXX. My Score XX/XX/XXXX was XXXX. My wife 's current credit score is XXXX. We have EXACTLY the same items on our Credit reports, my report took a huge nose dive from XX/XX/XXXX to XX/XX/XXXX. The only difference between the two months is XXXX extra credit card, that 's neither delinquent nor is there a balance on it. I less than XXXX % credit card utilization, and I 've never missed a payment on anything. I ca n't get anyone to explain it to me either. This is costing me a lot of money. You should be able to just ask why scores are the way they are, rather than have this cloak and dagger! I need someone from both to explain what is going on, and why. 

FYI, I put down Information is not mine because that 's the only thing that even came close.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Consumer Loan (Installment loan) with AMERICAN EXPRESS COMPANY (VA).
Issue: Managing the loan or lease

Complaint: I have been an American Express customer since 2007. Today I was notified that a credit limit was placed on an otherwise unlimited account. 

I have not missed any payments and nothing has changed financially for me. 

Working for a XXXX, it is important that I actively manage my account. Additionally, I am up to date with institutions misrepresenting and misleading consumers. 

I contacted AMEX and they said they made the determination based on a credit bureau. I find this hard to believe since my credit score has been improving and consider very good. 

AMEX has damaged me and my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Made payment on XX/XX/XXXX of {$42.00} of {$84.00} due ( minimum pymnt due {$27.00} ) on XX/XX/XXXX ( no minimum charge and no interest charge? ). {$2.00} Minimum Charge Fee added ( no interest added which states a minimum of {$2.00} in their agreement ) on XX/XX/XXXX closing date. Made another {$42.00} ( minimum pymnt due {$27.00} ) on XX/XX/XXXX due on XX/XX/XXXX. {$2.00} Minimum Charge Fee added on XX/XX/XXXX. Total due now is {$4.00}. Made {$4.00} payment on XX/XX/XXXX ( no interest fees ). {$2.00} Minimum Charge Fee added on XX/XX/XXXX? Payment was made before closing date. I feel like I will never get this card paid off with this game they are playing. I see nothing noted in their agreement about a {$2.00} Minimum Charge Fee. I never got charged interest rates and their minimum on that stated {$2.00}. I have since cancelled the card due to the constant charges even though it has been paid off since XX/XX/XXXX before their due date of XX/XX/XXXX and the closing date of XX/XX/XXXX. I feel they apply their interest rate minimum of {$2.00} as this Minimum Charge Fee so they can continue to charge it as long as their is a balance and you wo n't see it until the next statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2017 about Student loan (Private student loan) with AES/PHEAA ().
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been trying to work with American Education Services regarding my student loans for the past few months. I have been making payments online for years under my user name created when I first had my private student loans disbursed. In the last 5 months XXXX had some sort of change or system issue in which it blocked me from being able to access my accounts online. I am told the issue is because my profile online had my full name including my XXXX at the end of my name and that my student loans in their system was just my name without the XXXX at the end of my name and that this was causing a problem. I am currently living overseas in XXXX and have been for the past XXXX years. I have been making payments online with no problem during this time, but now I have called them several times to have the issue corrected and they continue to give me a hard time and despite speaking with a supervisor a month and a half ago who promised this was corrected and I would be able to log on my account the next day to make my payments, I was still unable to. I called again today and spoke with XXXX person who said they could fix it, and deleted the other profiles and had me create a new XXXX from scratch, but continued to get the same error message when trying to log in. They transferred me to someone to make a payment over the phone to bring my account current, and then that person proceeded to tell me I need to send in passport copies to validate my name to fix the issues. The last supervisor I spoke with said this was not necessary especially given I live overseas and it is difficult for me to do so, and in 10 years I 've never had an issue before. This is due to THEIR system issues or upgrades, not due to an issue XXXX the consumer created. There is a lack of compassion or concern as well as a lack of action to resolve their internal issues. As a result I have loans which are now 90 days past due ( just brought current XXXX and 131 days past due with them threatening to default them, despite the fact that their system issue is preventing me from making my payments online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Well my identity was stolen and there were credit inquiries on my credit that I did not do, I called XXXX and XXXX they put a fraud alert and removed the items. I contacted Equifax 10 times 10 different phone calls with 10 different reps some said I needed a police report, other said I needed to contact the agencies reporting I tried to do both l, I went to my local police department and they said because there was no lost or damaged that it was only inquiries they ca n't file a report, I contacted all the companies some no response and others said the information verifies of course it does my information was stolen so I called Equifax back again and they said there is nothing they can do so I have to wait 2 years! That 's ridiculous when I 'm a Victim here there inquires not collection accounts just inquires which both XXXX and XXXX removed with no problem I do n't understand why I 'm being victimize more by this inconsiderate company I wanted to buy a house in a year do u think I 'm going to be able to with dozens of fraudulent inquires there representatives are insensitive and careless when it comes to my personal life I 've been back and forth with so many supervisors that says there nothing they can do why is there no policy or procedure for this kind of thing i ca n't force the cops to make a police report, i ca n't force the companies to delete who protects us the ones who did n't ask for our identity to be stolen its sad that I do n't have the back up like XXXX and XXXX secured me on this company is the worst I 've never dealt with anything like this before and it makes me think this company stole my identity since there so defensive to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
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: I mailed a Multiple  Inquiry Removal Letter o n  XXXX   XXXX  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I receieved the same response for all inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigated and if yo u do not investigate and respond, the CRA must delete the disputes information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My home is listed with a realtor to for a short sale in lieu of foreclosure. I listed the home XX/XX/2014. I moved out XX/XX/2014. Caliber bought my mortgage after I moved out. They have set a foreclosure hearing to avoid my " cash for keys '' RESPA settlement. Can they do this to me? 
Thank you. Please : this is not a " Duplicate '' request. 
Numerous offers have been made to buy my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that XXXX was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 03/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I created a payment plan for my private loan the middle of last year that was suppose to last a year. They stopped taking the money out of my account around the time I filed bankruptcy so I thought it was charged off. My US education loan sent me mail saying I had to start paying them. I checked my account and realized I owed on my private loan also. I called they informed that since it wasnt charged off that I had to repay and I couldnt get my original payment plan back. I explained how I couldnt afford XXXX dollars a month especially having to pay my other loan back. They said there werent any programs that would reduce my payment. If I just pay what I can afford the late fee will still accrue. Is there anyway to get my original payment plan back?

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 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: Account status incorrect

Complaint: Hello, XXXX XXXX account # XXXX is appearing as a collection. This account is no longer in collection, it has been settled as it says so on the attached credit report. <P/>Please delete the file. <P/>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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with One Technologies, LP (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I purchased  XXXX  credit report/score with credit monitoring. I called to cancel and they cancelled my service immediately and refused to provide a refund for services I would have received for the remainder of the month that was covered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage is refusing to pay property tax I have an escrow account they have sent me a letter stating they will not pay it i sent them a copy of unpaid property tax and theyou continue to ignore my complaints

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 09/17/2015 about Debt collection (I do not know) with ERC (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Enhanced Recovery of XXXX, Florida XXXX XXXX XXXX, FL XXXX has been repeatedly calling my home claiming i owe a XXXX bill of XXXX from XX/XX/XXXX. I explained that i was a sprint customer since XX/XX/XXXX and my same account from them is still active. The person then stated the debt was from XX/XX/XXXX and I am like that 's 15 years ago and regardless if it was my account or not, the statue of limitations has expired. The person told me they were not a 3rd party debt collector and I told him then you work for XXXX? no comment. 
They never at anytime in the last 15 years put it on my credit nor has XXXX ever been on my report either. This a white collar scam!! 

I asked him to stop calling me and he said they will just keep calling so i hung up. They call at least twice a week and this must stop. They have never sent any mail nor registered / certified mail to my address which i did confirm with them. Please Help me!!!

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 05/20/2016 about Mortgage (Conventional fixed mortgage) with Home Loan Center, Inc. (WA).
Issue: Application, originator, mortgage broker

Complaint: I started down the path of signing up for Lending Tree when I discovered that you needed my social security information, I was no longer interested. After that I received, and continue to receive unwelcome phone calls to my phone number, I requested my data be removed and I be put on the do not call list. I was then told I would be put on that list after 72 hours, but more than a month later I am still receiving phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: DATE : XX/XX/2016 TO : CALIBER HOME LOANS XXXX XXXX, XXXX XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Information Request Mortgage Loan Number : XXXX I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, XXXX XXXX. 

Why did it take your company more than 5 days, to mail a RESPA receipt, in response to a correspondence you received on XX/XX/2016? I am attaching documentation to prove your company failed to respond within 5 days, dated XX/XX/2016, post marked XX/XX/2016. 

If you need to contact me to discuss this request, I can be reached at, XXXXXXXXXXXX, or XXXX XXXX XXXX. XXXX, XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DE).
Issue: Managing the loan or lease

Complaint: I have a loan with Santander that opened in XXXX of 2011. It was a 72 month loan expiring this month. I had XXXX deferments on this loan in 6 years. My original balance was {$18000.00}. After 70 payments of {$400.00}, my balance is XXXX. This means I paid {$28000.00} towards an original balance of {$18000.00} only to pay {$7000.00} of that balance. 
Running the numbers, It will take another 10 years to pay the remaining balance. I will be paying more than {$60000.00} for an {$18000.00} vehicle. This is much worse than a pawn shop or a payday loan. 

My choices appear to be file a bankruptcy after which Santander will take this vehicle and sell it to another sucker who will have 20 years of payments on a vehicle that may last a year. Santander will get {$120000.00} on a vehicle that costs less than $ XXXX. Or I can pay on it for another 10 or more years. This ca n't be legal in any sense ... there can not be a legal, ethical or human precedent that allows a corporation to encumber a person for the rest of their natural life with payments. 
I am signing the right for you to share this. I know that CFPB has successfully forced the credit bureaus to pay XXXX thousands of dollars for wrongs they did to consumers. I trust you can do the same to Santander who forces people into poverty by making them pay for a vehicle for the rest of their natural lives.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit card () with SYNCHRONY FINANCIAL (KS).
Issue: Billing disputes

Complaint: Back in XX/XX/XXXX, I applied and received a care credit account for XXXX worth of dental work my husband needed. Our insurance would only cover XXXX of this amount. On the last month XX/XX/XXXX I made a last payment to take care of the XXXX transaction of this total. I was 8 days late. Not understanding that their is no grace period for this account. They immediately charged my account the back accrued interest. I did not realize I was acquiring interest on an interest free loan if paid back at the end of the term. I paid early on a transaction that was due in XXXX, However they charged me the interest on it because they said I still owed money on that transaction. I had been paying the amount on the statement each month to pay these off. I currently owe over XXXX on this account and have XXXX transactions left for XXXX ... Due XXXX and XXXX due XXXX. Yet I am paying XXXX/month and XXXX of that is going to the actual loan. I was not aware of these stipulations when I signed up for the loan through my dentist. I was told it was 0 % interest for 2 years. Calling today they have sent me to the bankruptcy division of their company. I have not filed for bankruptcy. Not sure what is going on. 

Thank youXXXX XXXX KS XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX # XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with TD BANK US HOLDING COMPANY (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My dad who has used my social security number to apply for credit without my consent. He has also done this to my sister in the past. would like to get the inquiries off of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid my bill on Time. They State that i was late on my bill. So they put inaccurate information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation