milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX I called Equifax to dispute many Inquiries not mine. 19 were removed. A fraud Alert was put on. But these fraud alerts have never notified me when someone has been trying to access my Credit. 

Here is a list since XX/XX/XXXX all from XXXX XXXX. I do not have any credit cards with them And these Hard Inquiries have been showing up weekly and is greatly effecting my credit score and profile and need removing. I have tried numerous times to contact Equifax they are always busy with too long of holds. 
Please remove this accounts. The only Credit Inquiries that are mine on my report for XX/XX/XXXX are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. And XX/XX/XXXX XXXX XXXX XXXX. Anything else should not be on my report before XX/XX/XXXX. 

XX/XX/XXXX XXXXXXXX/XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX. 
Also because of Equifax system I can not do an online or phone dispute because your system does n't recognize me. I have two open dispute on collections not mine Confirm # XXXX and # XXXX but the Equifax system wo n't let me look at these disputes it says it does n't recognize me. 

Equifax has me listed as : XXXX XXXX XXXX XXXX XXXX XXXX Why is it someone can apply for credit with my name yet I can even access my own information. Something is very wrong. No other Credit Bureau I have this issue. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Settlement process and costs

Complaint: I am hoping to get some guidance on this matter. I have owned my property since XXXX XXXX. In XXXX, I got married and in XXXX XXXX, my husband purchased a property without me. I contacted Wells Fargo on a loan modification and was approved. I started making the payments during the trial period as they requested and completed the trial period. But now they are asking to change the terms of the agreement because they want to make my husband a part of the loan modification on the Home Equity Loan. Wells Fargo is not the primary loan holder on my mortgage, XXXX XXXX XXXX is and I have had no issues with them. I am still making payments on my primary account with XXXX XXXX XXXX and the account with Wells Fargo is a Home Equity. They would not provide me any Florida Statue that states that my husband has to now be on the Home Equity. I just want to make sure that they are not trying to take advantage of my vulnerable state in needing assistance with reducing my mortgage. They also want to give me a rate that fluctuates and I am not sure if that is legal. Please assist if possible. Thank you in advance. I have attached documents such as my marriage license which shows what year I got married. I also attached a copy from the XXXX County Property Appraisers Office that shows when I purchased the property and that my name is the only name on the property. My bank statements reflect the amount that I have been paying since the loan up until the trial period when I agreed with Wells Fargo to pay the reduced loan modification amount and the terms of the agreement would be satisfied and my loan reduction would remain as long as I made the payments in the trial period. I have never been late with payments during the trial period and the reason that I needed the loan modification is because I no longer have the income I once had when the loan was originally given. Again, thank you in advance for any assistance you can provide. I just do n't want the bank taking advantage of me or my husband.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Synchrony Bank : XXXX XXXX XXXX XXXX. XXXX, XXXX , UT XXXX ; owns the following account Credit Cards : Walmart , Chevron , XXXX, and J.C. Penney . I am the victim of Identity Theft and Computer Hacking. The F.B.I. sent this information to all my creditors, however, Synchrony Bank is ignoring the fact that all my money is gone because their Cyber Security is inadequate when it comes to Identity Theft. My payments were either partially taken or fully taken in transmission from my financial institution to these accounts. Synchrony Bank calls me non-stop beginning at XXXX. None of the employees calling has he authority to make arrangements with me on any of these accounts. I made arrangements with the Walmart employee to pay {$25.00} a month, but now that 's not acceptable. Not only that, But on XXXX, Synchrony checked my Credit Bureaus ratings for no reason, and lowered my limits on the XXXX card, and the J.C. Penney Card, which has no balance at all in 1/2 or more. By doing this, Synchrony lowered my FICO score even more and for no reason at all. I need help in dealing with these cards, because Synchrony wo n't even take the F.B.I. 's findings good enough to stop the harassment. Also, Synchrony, continues to charge interest and late fees to these accounts.

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 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: I  filled out an application with USAA for a credit card. Instead 0f telling me whether I was accepted or not - they requested that I make an account with USAA.I called and they said that I needed to accept a text message security code to find out if I have an account with USAA. To me that 's putting the cart before the horse. I request that USAA delet e all information gathered by my application process and cancel my application-no harm no file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested a debt validation on the alleged debt from XXXX XXXX XXXX of {$550.00} from ERC. I received a response from ERC with an XXXX XXXX XXXX bill dated XXXX XXXX. I contacted XXXX XXXX XXXX and they said the debt was in collections in XXXX! This debt was purchased by several collection agencies starting from XXXX on XXXX/XXXX/XXXX then to XXXX on XXXX/XXXX/XXXX, and then to ERC on XXXX, XXXX, XXXX. The original delinquency date on the account first became delinquent has changed several times by the XXXX collection agencies. Federal law requires that collection agencies report the original delinquency date from the original account. Because the original delinquency date does not change, the XXXX year time frame does not start over when an account is sold or transferred to a another lender or collection agency.The recent collection agency ERC reported that I just owed the debt in XXXX XXXX when it was originally in XXXX.

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 06/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have been receiving multiple phone calls over past few weeks  (  middle of  XXXX  through  XXXX   XXXX ,   XXXX   ) about a loan. Most calls are automated. There is not a real person contacting me.   I tell the " caller '' they have the wrong phone number. the automated caller does not understand and keeps telling me to enter my information.   I have written down one number,  XXXX . Another number is also given, but I have not written it down. Sometimes the caller identifies as Navient, sometimes as  XXXX , but I am unable to write her personal number and extension fast enough.   They want to talk to  XXXX . I am unable to understand that person 's last name.     When I called the CFPB, I was told that Navient provides student loans. I have never had a student loan nor have I ever co-signed a student loan. No one in my house has a student loan or co-signed a student loan.     Please could you tell Navient to stop calling my phone  XXXX . This is harassment.   Thank you for resolving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Round or about XXXX XXXX, 2015 I had a XXXX. She was not able to return to work. I am is XXXX years old, however, I could not retire completely due to financial obligation. My XXXX caused me to go into complete retirement,. I can no longer walkout with aid. In XXXX 2015. I submitted an application for home modification, it was denied for lack of the XXXX being submitted timely. I submitted another application it was denied, due to lack of food assistance proof. However, I am sure the proof of assistance was faxed by another family member. Please can someone help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Payday loan () with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest I didn't expect

Complaint: Hello, this is a " tribal loan '' which I did not know and they are charging almost 850 % interest on a short term loan. Which was never explained to me. I received a call and was told " oh no problem, one time charge to start the loan '', the customer rep was vague and talked very fast. Until I started getting withdrawls from my account and called and was then explained the scam I got myself into. I was not informed of this interest rate and was unable to view the " truth in lending '' disclosure until after the loan had been processed and funds delivered. I believe this is wrong and illegal to do business like this. The company is Red Rock Tribal Lending, XXXX XXXX. CastlePayday.com ( now bigpictureloans.com ) XXXXXXXX XXXX, XXXX, MI XXXX PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.

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 03-08-2017 about Debt collection (Medical) with Professional Finance Company, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: I tried to use my debit card at an ATM on XX/XX/XXXX so that I could pay for lunch for my family. For some reason, this locked my ATM card. I spent an hour on the phone trying to get a hold of a Fraud Specialist but I never got through. I have sent emails and tried multiple times since XX/XX/XXXX Sunday to reach a representative but have never gotten past the 'hold music ' -- I have also not received a response email from XXXXXXXXXXXX - which is the email they suggested I use. I need my card unlocked. Bank of America has a flawed system!

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 04-03-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (UT).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX, I returned a vehicle I had been leasing since XXXX and purchased a XXXX Pontiac G8GT. From XXXX XXXX - XXXX XXXX I made my monthly payments of {$500.00}. I believe there was XXXX instance that my payment was late but stilling paying within that month. When I purchased the vehicle, I elected to buy a new car warranty as well as Gap insurance. In XXXX XXXX my vehicle was parked outside my home and was rear ended by a XXXX high school girl distracted at the wheel. My vehicle sustained over {$17000.00} in damage and was deemed a total loss. At the time of the accident I carried full coverage insurance through XXXX and also carried Gap insurance coverage. My insurance company paid over {$21000.00} towards the vehicle because the girl at fault was uninsured. The remaining balance of approximately {$850.00} should have been covered by the Gap insurance I paid for monthly. After all deductions made and refunds calculated Ally sent me a statement advising me that I owed the above balance. How is that possible? The entire reason I purchased Gap insurance was to cover additional costs not covered by my personal insurance company. I disputed this with Ally for several months. Ultimately, fighting a losing battle I paid Ally The REMAINING balance they claimed I owed. At which point, ALLY proceeded to report my account as a charge off. Which negatively affected my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to work with Specialized Loan Servicing company since XX/XX/XXXX on a load modification application. I sent all the papers they have asked for and every time i called them they would ask for the same papers that were sent over and over again. 
I started calling the lady that is handling my application instead of calling the help line and again i faced the same issues of her asking for the same documents. 
Last Monday XX/XX/XXXX i called XXXX who said some of the papers were not accepted becasue they were missing little details that i was never told about all the other times i had called. So i lost my cool from being frsutrated and overwhelmed for not getting the help i was asking for and for the process taking for ever before a resoulution is found. 
After i sent my papers last Friday XX/XX/XXXX i walled again this Monday XXXX and i left a message for that same person to call me back and she never did. So i called the help line and i was told the papers didnt download yet so i thought maye thats why i was not called back. 
So this morning i called again and left a message to be called back and no one called me yet and it has been 4 hours. In the past it would only take 20min for the call back. 
I have not paid in 4 months. I am very concerned about loosing my house, time is being waisted and no one seems to care. 
I need help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (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: During the hurricane Irma. Capitalone put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru capital one they denial my claim for hurricane issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent a dispute regarding updating information on some delinquencies that were reported on my credit report by XXXX, that were later placed on forebearance for a date prior to the delinquencies to a date through the delinquencies pursuant to FCRA 623a2B, I submitted the updated information and requested that the delinquencies be removed and the credit reporting agency failed to update my information and remove the late payments abd failed to properly investigate and verify the information I submitted to support my dispute.

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THE FIRST THING I SAW THAT WAS FRAUD ON MY CREDIT FILES WAS MY NAME SPELLING I ATTACHED MY DRIVER LICENSE TO PROVE MY REAL NAME AND ADDRESS. I ALSO ATTACHED MY CREDIT REPORT SHOWING THE FRAUD, I PUT FRAUD NEXT TO EACH FRAUDULENT ITEM TO THE LEFT OF IT. PLEASE FORWARD THIS COMPLAINT TO EACH CREDITOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Vehicle loan or lease (Loan) with City Enterprises, LLC (AL).
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint: XXXX   XXXX  keeps harassing me and calling me on my cell phone and on my job calls was made on  XXXX / XXXX /   17  By  XXXX  phone number is  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a first generation college student who hold a XXXX and XXXX XXXX XXXX which I owe nearly XXXX dollars for in private student loans. I make XXXX per month and pay American educations services XXXX $ and XXXX and XXXX XXXX another addition XXXX . This makes my student loans total well over XXXX per month which is half of what I earn. I have a child that I take care of and rent and living expenses to pay and because of my income I GET NO assistance for anything from the state or the government but after paying my student loans in at the poverty level and should technically qualify for some help. This is wrong American education services are the only lenders who REFUSE to work with me although I keep my account current by any means necessary, even paying my student loans before paying rent or getting food. I 'm literally struggling to survive because I made the decision to go to college and try to become better. My parents made to much money for me to get financial aid but did n't make enough to pay my tuition at school. this is a sad world when going to college can ruin your life like it has done mine, I just wanted to become better and give myself a change, I never realized that by taking a loan from American education services I would be giving up the rest of my life and making my sons quality of life worse than mine growing up because I owe so much student loan debt, I need some help I have literally begged American education services for any option to lower my payment and they just say they cant. why is this happening in America, why can banks and automotive companies get bailed out but a single XXXX woman try into to make it ca n't get any help with these XXXX dollar banks. this is unfair and I would trade my college degrees any day for a piece of mind of not having to worry about money because in paying all my monthly earning to lenders and the sad part is, it 's not even making a dent in what I owe because of my interest., so I will be broke forever only to keep a high balance on my student loans,. I ca n't buy a house or a new car or any of the things we picture in the American dream after you attend college. This is criminal I this is why people take their own life over debt. Who would choose to live like this and barely survive after working 40 hours a week only to pay on a huge debt that 's not going anywhere? I understand I have to pay back my debt but its ridicules how American education services wo n't work with people to make the payments reasonable. I do n't know anyone who has an extra XXXX per month to pay and still live. Please help me, please get American education services to work with borrowers and not lead them into situations like my own to where you are so desperate you have to sacrifice meals and taking care of yourself because you must pay a greedy lender.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: We recently paid off my wife 's loan with Navient and  XXXX  corporation and we do n't owe anything at this time. Navient has been making in authorized access of our account. Upon investigation we found out the same amount has been charged for the past 1 year but Navient is unable to tell us where the money is going.

Company response to consumer: Closed with monetary relief