milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Equifax several times pertaining to some inquiries I did not authorize. Equifax informed me to contact the creditors, but the creditors sent me back to Equifax. Equifax later reported once I called back like the fourth time that an dispute will be made for the inquies and they should fall off within 30 days and that was in XX/XX/XXXX. I called back in XX/XX/XXXX and was informed the inquires duspite was submitted wrong, so she was going to re-do it. Just for me to call back this month and they are stating they can not delete inquiries. I did not authorize these inquiries. I had put fraud alerts on all three credit bureaus, just for them to give me the run around. I have spent hours on the phone trying to get this issue resolved and they are not doing anything to assist, besides coming up with different lies to tell. I would like these inquiries to be removed.

* XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Nelnet is reporting a 90 day late on my credit report. I do n't believe this is factual. I have consistently sent in my documents to defer my payments since graduation school. I have written them over 3 times to see documentation of this 90 day late in XXXX 2012. 
The worst part is that they are reporting all of my loan separately and that makes it look like I was late on over XXXX credit accounts. : - ( I feel this is unfair as I am trying to purchase a house and get a car and this is holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I moved back to GA in 2014 and discovered I had several items on my credit file that I did not authorize. I immediately filed a police report in XXXX XXXX Ga. I called the XXXX credit bureaus where my files are located and added a fraud alert. Over the years I have been able to get most things removed from XXXX and XXXX but Equifax for some reason has been giving me the run around. Stating all my information has come back as verified yet they can not produce to me any information such as my signature to validate their investigation. I am an XXXX veteran and I defended my country proudly for 7 years yet I feel like the enemy when it comes to Equifax. I am in the process of rebuilding my credit and it is very difficult to do with all the fraudulent inquiries that 's are being held on my report by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I submitted the correct amount that was left on the loan to pay it off, and noticed while the payment was being processed they increased the amount owed, therefore keeping the loan active.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo foreclosed on my duplex and my {$69000.00} escrow. Because they were collecting for a loan that was already included in the first mortgage on my house. I have now paid it again to XXXX. Now XXXX has transferred to another servicer that wants me to pay them the same money. 

HOW MANY TIMES DO I HAVE TO PAY SOMEONE FOR THE {$47000.00} someone gave me in 1992? I apparently paid Wells Fargo for a commerce bank loan that was paid off by my house loan. - actually it was paid off with my escrow and extra money I had to pay to midland mortgage I did not owe. I believe Wells Fargo was collecting for the escrow I was paying on another property and I had already paid to another lender. I also believe they paid this money to XXXX for insurance I had not spent/used. The money also XXXX have paid been paid to XXXX companies claiming to have judgements against me or my husband and with whom we never HAD an account. 

WELLS FARGO STOLE MY XXXX

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 11-08-2017 about Student loan (Private student loan) with ACS Education Services (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have tried contacting ACS Education about my loan status since I no longer can log into my account for 3 weeks now. I never received an email or phone call about my loan. I looked online and realized a possibility is my loans were bought and transferred to another company. How am I supposed to figure out which company my loans are with if no one will get back to me?

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase Bank located in XXXX, CA XXXX closed my personal account without any notice and refuses to tell me why? I 've had an account there for more than 5 years and also have my mortgage with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Certified Services, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I mailed all documents requested by the representative by the name of XXXX the early part of XXXX XXXX or around that time. This account was approved by the financial department to be written off due to me being indigent and I 'm quite frankly tired of seeing this on my report!! WHY? ask for documents for proof of the medical facility writing this {$150.00} off if it 's not going to be applied ... ... and dismissed for XXXX sakes.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: NCB Management has been reporting a debt on my credit report. I have yet to receive one  notice from them in regards to the debt at my address. This also means that I was not afforded the opportunity to dispute the debt prior to them reporting it my credit reports. I received a notice today  XXXX / XXXX /  XXXX   that they received my dispute but there was no information to validate their letter. This is the first notice from the company to my address, never received phone calls in regards to the matter either. According to my credit report they are have been repeating the report to keep it fresh so that it starts the " credit clock '' over which i 'm sure is also illegal. Not to mention I got a notification within the last day or so that a " NEW '' debt was reporting to my credit and once again I was n't notified.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Balance transfer fee

Complaint: CitiBank does not state in their Terms and conditions or in account disclosure. that if i will use my credit card as XXXX XXXX transfer or any service like this, it is considered as a cash advance/Balance transfer. and they charged me interest + a XXXX charge.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX, 2017 I have tried both online and over the phone to freeze my credit records ( for days ). In both cases with Equifax and XXXX the response has been " not available at this time '', " check back later ''. Experts are now advising to freeze your credit files to avoid identity theft. You need to check this out for yourself. Have been successful with XXXX over the phone, however, their was a {$10.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Thank you for your help. 
I just got my Equifax credit report online. I linked to a company from my credit union website, and ordered it from there. 

Equifax has my last name listed with an incorrect spelling. It lists my last name spelled two ways, but the incorrect way is the name that is listed at the top of the report. 

I have never had any other name than the one I was born with. They have added an " XXXX '' to the end of my last name. 
There also is at least one account that I do not recognize. A car payment loan from XXXX, and I can not recall ever having a car loan in that period. It's possible, but it looks wrong. 
Mostly, am concerned about the incorrect spelling and I'm wondering if someone else may have used my name to open things. I have not yet gotten the reports from other credit report companies and wonder now if I should get all 3 at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: The XXXX XXXX account was disputed, and Experian shows a cut off deletion date of XXXX XXXX. XXXX XXXX shows a cut off deletion date of XXXX XXXX. The account went into default in XXXX, and XXXX XXXX extended the 7-year rule timeline illegally. The Federal Trade Commission has in the past fined XXXX XXXX for timeline re-aging issues, and this account is no different. Accordingly, I believe Experian did a poor job in its reinvestigation, and that they should remove the item immediately and permanently. Attached is the necessary documentation required to stipulate my position that the XXXX rule applies.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquires that I do not recognize on my credit reports. The inquiry was not authorized by me nor do I have any knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (NC).
Issue: Taking out the loan or lease

Complaint: In XXXX XXXX, I purchased a 2012 Honda Civic from XXXX XXXX, XXXX XXXX, Virginia. The purchase price was approximately {$10000.00}. The loan was 60 months at 7-8 % interest. My car payments, according to the dealership, were supposed to be $ XXXX/month. In XXXX XXXX, XXXX XXXX attempted to take approximately {$450.00} from my XXXX XXXX XXXX XXXX without my permission. I contacted the dealership, and they told me the car payment was in fact {$470.00} per month. I told them I did n't want to do business with them, as that was not the agreed upon price. They took the car back ( travelled to North Carolina and got it ), and told me I was free and clear. In XXXX XXXX, I received a notice of an involuntary allotment from my command by Security National Automotive Acceptance Corp. This was the first time I learned of any legal action against me, as all paperwork for somehow sent to my home of record, despite the dealership and finance company having my address in North Carolina. The judgment against me was for {$10000.00} at an interest rate of 20.15 %. SNAAC 's attorney, XXXX XXXX, told me that they should have mailed me at my NC address or through my XXXX. The judicial decree ordered me to pay the full amount, plus attorneys fees for SNAAC. Further, I have been receiving notices from SNAAC that I have been applying for loans, and those loans are being rejected. However, I have not applied for any loans.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: Hi, Months ago, I noticed I had accounts with XXXX XXXX listed on my credit report. I contacted them with the intention of consolidating the sums and paying them off. Upon speaking with XXXX, I was told that there were no accounts shown in my name, except one of {$37.00}, in which I paid at that time, though it was not even one of the ones listed on my credit report. They transferred me to another department to see if they could find accounts in my name. They could n't. They told me to dispute the accounts with the 3 credit agencies and they should be removed, hence they can not find any accounts associated with my name, phone number or address. 
I disputed them. XXXX and XXXX both deleted the accounts from report. Equifax responded that they had proved the accounts to belong to me, and to contact XXXX with any questions. The phone number Equifax provided for XXXX was not in service. I contacted XXXX again, from the phone number on their website. I was told the same thing, no accounts shown in my name. I asked for a letter stating this, and was told that they can not speak on my behalf since I have no accounts with them ; and to dispute them. Again I disputed them with Equifax with this new information. Even told them to request the phone recordings of XXXX stating this since they state that the calls are recorded. Again Equifax stated that they found the accounts to belong to me and again provided a number not in service for XXXX. At this point I am frustrated because it is affecting my credit score. I am in the process of trying to buy a home. I can not get the XXXX accounts off of my report by paying them because XXXX can not find these accounts, nor can I have them removed because Equifax will not delete them like XXXX and XXXX did after their investigation. When I called Equifax to discuss this I was told that I can dispute them again. I do not know what else to do. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Checked   XXXX   XXXX   and there is a hard inquiry from  XXXX  ( Retail, Not Elsewhere Classified ) on  XXXX   XXXX ,  2017 . I never authorized a credit check for anybody in the past   XXXX   years. it is showing up on my  XXXX  report

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 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XX/XX/XXXX  credit card declined. The last three times I have used card it was declined but when call company was told there was no problem. When I called today, XX/XX/XXXX , the said they had closed account. The card was in my deceased husband 's name. However, within a week after his death, I took death certificate to bank and they changed name of checking account, savings account, overdraft protection, and another credit card. The account that has been closed showed I presented death certificate but a bank employee failed to complete the necessary process. I have used this card with my name on it for almost 4 years ( his death was  XX/XX/XXXX ). This card had a {$21000.00} limit and {$530.00} in cash rewards. Payments are current and balance is {$1200.00}. They will not even give me the cash rewards as will only issue check in deceased husband 's name. It finally registered why they are doing this when was told they were scrubbing accounts ( after 4 years ). When he mentioned it was not discrimination, then I realized they do not want a   XXXX   year old retired person with that high of a credit limit. My charges made have always been low and payments made. This is obviously age discrimination. At the least, I want my {$530.00} cash rewards.

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 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 7 ), and Section 611 ( 5 ) ( A ) requires credit reporting agencies to verify all accounts posted on a credit report or delete the credit report. The FCRA requires verification by the credit reporting agency actually holding the original signed consumer contract and providing a copy of that contract upon request. I have requested verification by Experian ( 4 notarized letters by certified mail ) and Experian has ignored my request. Under the FCRA, unverified accounts must be removed. Experian 's failure to verify means my accounts must be removed from their database, which Experian refuses to do. Please have Experian comply with the FCRA and either provide the verification or delete unverified information from my consumer file.

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 09-04-2017 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (VA).
Issue: Struggling to pay mortgage

Complaint: We purchased our home in XXXX XXXX for a closing price of XXXX and a second loan to cover the rest of the cost in the amount of XXXX. Both loans were provided by the same bank and totaled more than XXXX XXXX paid for this new construction home. The bank also steered us toward an interest only 10 year ARM at 6.75 % interest to ensure we could qualify and afford to make the payment. A year after we moved into the home in XXXX XXXX our tax assessed value for the home was listed at only XXXX. This represents a nearly 40 % decrease in home value compared to the XXXX XXXX XXXX indicated the home appraised for in XXXX XXXX. Over the past nearly 11 years we 've tried on several occasions to get the bank to restructure the loan given the lower interest rates and grossly overvalued appraisal of the home. The bank has refused to assist us on each occasion, the last being in XXXX of XXXX as we were nearing the end of the 10 year ARM. As a result our mortgage has increase for the second consecutive year and we fear continuing annual increases will lead to financial challenges to pay our mortgage. We believe BB & T colluded with homebuilders and appraisers to grossly overinflate home values in XXXX at the height of the housing crisis and intentionally steered us toward a 10 year interest only loan to lock us into a situation where we are unable to refinance due to loan to value policies for lending institutions. Furthermore, their refusal to restructure to loan to ease financial strain is purely financially motivated. The value of our home as of our home as of XXXX XXXX, XXXX during the latest official appraisal was indicated to be {$800000.00}. Even after 11 years, that 's a nearly 37 % decrease in value related to the bank 's appraisal value of the home at closing.

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 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have received information back from the company stating the laws and why the inquires on my report are factual, However the company is not reading and understanding what I am saying as I have stated the inquires on my report are fraudulent as I was in the department of corrections when they were made, and you are not allowed to apply for credit when you are in prison. I have gone to the companies to dispute these errors and have spend hundreds of dollars sending certified mail only to get a response that the credit bureaus responsibility to remove FRAUD. Therefore I am again requesting that the credit bureau needs to do this job properly and read the complaint I am submitting. I am aware of the laws but I am also sure you are aware that you can not go shopping when you are in prison.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with LENDMARK FINANCIAL SERVICES (NC).
Issue: Problem with customer service

Complaint: I have enrolled in a debt consolidation program I was told by the agency to advise all my creditors of what I 'm doing I gave all the contact information As Told to the problem is that XXXX of XXXX XXXX nc is harassing me continue calling me and threatening to sue I have told them several times and I involved in the debt repair agency and I 'm doing what I was told by the debt agency but yet they continue to harass me and threaten me

Company response to consumer: Closed with explanation