milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Naviant contacted me after taking over service of my student loans ; they claimed to have sent me information that i never received, by the time they called the first time I was in default. After resolving the default I attempted to setup payments ; I was forced into a repayment plan paying less than I wanted, I then asked if I could setup auto pay at which point I was told I could only that up through their website. I was also told I could set the payments up for more if I wanted ; the webpage was difficult to navigate and gave me no options to pay more. There was no confirmation that my information was accepted and no indication it was not. 6 months later they called my Uncle who was never a contact on my account attempting to contact me ; my contact information had not changed and I confirmed they had the right information. They informed they had never received a payment and showed that they had no payment information. I am again in default and have no desire to deal with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not implement proper data security measures and my information was stolen in the hack around XXXX 2017. Stolen information includes my Name, DOB, SSN, address, and account numbers. Equifax did also not follow appropriate measures in notifying people that their information was stolen. Equifax executives were able to sell ~2 million dollars of Equifax stock immediately after the breach, but were not able to notify people until a few months later.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have made serveral attempts to resolve my issue with XXXX XXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to Equifax, XXXX and XXXX may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( july 1, 2009 ), this notice includes. Basis of disputed : On  XXXX acct # XXXX shows no payment history, only charge-off history.Open date XXXX/XXXX/XXXX, last updated XXXX, charged-off XXXX with last payment dated XXXX/XXXX/XXXX. XXXX  shows last payment dated XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX with no payment history. Equifax shows only the only a open date XXXX/XXXX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have spoke with someone several times regarding hard inquiries that do not belong to me I recently sent them a letter regarding these inquiries along with proof of my driver 's license they are being very uncooperative about the situation I am Desperately Seeking help with this

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal credit information. I was affected by the recent Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On or about XXXX XXXX, XXXX I was informed by Equifax Credit Bureau that my personal information had been breached along with many others, and I noticed a hard enquiry on the CBR that I did not recognize. I called Equifax but have been unable to talk to anyone about the hard enquiry so it can be removed. The hard enquiry was made by XXXX XXXX, and I already have TV service, ( antenna ), have no need for satellite service, and I have never used XXXX XXXX here at this address. I use XXXX XXXX service and I have had it for years. I am a victim of Identity theft, and a victim of Fraud, since XXXX and I have fraud alert statement on my credit bureau reports, and I suppose to have a security freeze on my report but Equifax never sent me a ten digit code so as to be able to dispute any errors on my report to be able to temporary left/remove security freeze. IT has lowered my credit score and I have not applied for any service from XXXX XXXX and I called XXXX XXXX and complained about it, and all they did was send me a report showing that someone did in fact try to use my name and apply for XXXX XXXX service without my permission, but I do not know who. I can not seem to unlock/lock my credit report because there suppose to be a security freeze, but without a ten digit code, I ca n't do anything and I have n't received a code of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Nissan Motor has been consistently reporting my auto-loan as delinquent sine XXXX of 2017. However, I have been making my monthly payment before the due-date every month. Every month that I call in, I pay Nissan exactly what's due prior to the due-date, but they somehow can not seem to report my pay history correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I understand I 'm entitled to a free XXXX credit report when I am a victim of fraud, which I have been. However, there is no one to talk to at the XXXX credit bureaus and no way that I have seen online to order a XXXX free report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: Credit agencies did not follow up on fraudulent activity. The {$930.00} amount from XXXX XXXX, does not belong to me. I 've disputed this twice and explained I was not living anywhere near XXXX, Ohio and suspect my personal information was obtained by a family member. I 've explained this.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Louisiana Recovery Services Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The student loan was through XXXX XXXX XXXX acct number ending XXXX. The account status says it is 120 past due. This account was turned over to a collection agency and has been paid off for 2 years now. I would like to have it removed from my credit report. The information supplied to XXXX by the following agencies are out of date or inaccurate. please fix

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with JPMORGAN CHASE & CO. (IA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: We were contacted by a former neighbor of ours telling us that the current owner of the house we sold to him in XX/XX/XXXX had received a credit card in his mailbox with my name on it. I drove over to my former address and retrieved the credit card. The card was a Chase Signature Visa Amazon rewards card. I had not applied for this card, and was shocked that it was sent to an address I had not lived at for 3 and a half years. I called Chase Bank and a customer service representative told me that they had received an online application for the credit card on XX/XX/XXXX. Again, I did not submit this application. I asked Chase why their computer systems were so poor that they could not recognize the disparity between an old address and a current address. They had no explanation for it. Had the gentleman that bought my former home in XX/XX/XXXX not taken the trouble to alert me, who knows how this problem would have evolved. For now, I have placed a 90 day freeze on my credit activity through XXXX. The Chase representative closed the account and noted the activity as fraudulent. He claimed that the XXXX credit bureau would be notified about this credit event as fraudulent also. Given the depths of the current XXXX bogus account creation scandal by their own employees, I find what Chase Bank did in this case highly questionable. Is it extreme sloppiness, or was it deliberate? Either way, sending out a credit card to an address over three years old is completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: Citi bank sends personalized letters 'offering ' credit cards stating that offeree has been 'pre-selected '. However, when the letter is responded to and the offer is 'accepted ', the bank declines it citing various reasons such as credit status. Consumers are deceived using misleading language such as 'offer ' and 'pre-selected ', such that implying to consumers that the personal situation, such as the credit report, has been evaluated and an offer is made, when all that has not happened. It appears that citi bank buys the names and addresses and makes offers as if the bank has evaluated the persons ' credit worthiness. Consumers please be aware and do not be convinced that citi bank is indicating willingness to extend credit - it 's mere deception.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
1.XXXX XXXX- Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 3XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 6. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 7. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 9. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 10.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 11 XXXX- Inquiry from XX/XX/XXXX 12. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13. XXXX XXXX XXXX -Inquiry from XX/XX/XXXX 14. XXXX XXXX Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX XXXX Inquiry from XXXX XXXX, XXXX 17. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 19. XXXX XXXX Inquiry from XX/XX/XXXX 20. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 21. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23. XXXX XXXX Inquiry from XX/XX/XXXX 24. XXXX XXXX Inquiry from XX/XX/XXXX 25. XXXX XXXX Inquiry from XX/XX/XXXX 26. XXXX Inquiry from XX/XX/XXXX 27. XXXX XXXX Inquiry from XX/XX/XXXX 28.XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 29.XXXX XXXX- Inquiry from XX/XX/XXXX 30. XXXX XXXX Inquiry from XX/XX/XXXX 31.XXXX- Inquiry from XX/XX/XXXX 32.XXXX- Inquiry from XX/XX/XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX 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 04-04-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: We filed for chapter XXXX and our home was not included. It was discharge XX/XX/XXXX. I called SPS in XX/XX/XXXX to discuss our options ( short sale, deed in lieu, etc. ). The rep stated, since we have children we could get {$3000.00} for moving expenses. On the advice of our attorney, he said to call the opposing law firm ( XXXX ) to find out the sale date of our home after XX/XX/XXXX. I called them on XX/XX/XXXX and left a message asking for this information. No one ever called back. I checked with my attorney and he was unable to find out when the sale date of hour home would be. On XX/XX/XXXX, we received a registered letter stating our court case would be XX/XX/XXXX to confirm the sale of our home! Talk about no notice!!! Three weeks??? Plus, no one would let us know the sale date. I called SPS and they said that we were not eligible for the {$3000.00}. They said because the sale had already taken place. What? I asked why this was n't explained in fall. The CSR said I should have provided a contact number. I replied, " Why did n't the CSR ask for XXXX in fall? Plus, SPS has our mailing information. They could have mailed it if they did n't have the phone number. '' The CSR blamed me for not following up. I told him, " I have never been through this process before, so how would I know? '' He said it was still up to me. Due to the short time frame, we have no place to go to and will be living in a hotel. We have XXXX children and XXXX of them are XXXX. I ca n't imagine how this could have been made any more difficult than it has been. Coming off of a chapter XXXX, we are cash poor and desperately need this money to sustain us while living in a hotel, to cover moving expenses, and to set up residence elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I currently am in review for a loan modification with my mortgage company " Select Portfolio Servicing ''. I also have a foreclosure sale date scheduled on XXXX/XXXX/15 and need help getting is pushed back. All information has been provided to SPS but they still have not pushed the sale back and I am in jeopardy of losing my home to foreclosure. Please help me in any way possible to ensure the sale doesnt take place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing statement

Complaint: . For the past 2 months I have been receiving a photocopy of my printed statement. The pages are black & white, the coupons are printed on XXXX pages XXXX front on XXXX page and back on another ) and the billing disclosures are illegible, the ink is smeared and impossible to read. I called last month and was assured that another statement for XXXX & XXXX would be sent. And instead another photo copy was printed and mailed. Fair Credit Billing Act requires my billing statement be legible and contain legal disclosures for billing disputes, etc. I can not even read the billing dispute address on my statement. I am not making a payment until I receive a regular bill that can be read and I expect any late charges for XXXX, XXXX, or until I get a bill to be removed. 

I would like to add to this complaint that I received a call from Macys at work on XXXX at XXXX from XXXX at that time i told them not to call me at work or on my cell anymore. I received a XXXX call also at work on XXXX at XXXX from XXXX again at my place of employment XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Payments reporting 30-60 days are on my credit report from XX/XX/XXXX-XX/XX/XXXX. I reached out to XXXX via email XX/XX/XXXX asking that late charges be waived. I explained I had left an XXXX ten year marriage with XXXX children and struggled to establish myself after finally getting out. I received an email back XX/XX/ that they would remain. I also sent a certified letter XX/XX/ and received another notice that they would remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX of XXXX I was offered a job position, and they had to do a credit check that i had to pay XXXX for. I was denied the job because during my check it came back that my social security number belonged to someone else. After finally getting in touch wit someone from experian they explained that possibly one of the credit agencies entered my social security numberin wrong. I recieved my free reports from each agency, and there was an incorrect address on my XXXX report for someone in Ohio. After sending in identification to prove that i am me, XXXX told me the error is corrected. So i disputed this with the company that was checking my credit background for the job and once again i was denied the job because it said my social security number belongs to someone else

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 03-06-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ad astra has send a copy of a contract that I have with XXXX XXXX. I did not sign a contract with them and nor do I recall them sending me anything that shows that I havany contractual obligation to pay them. I have send certified letter requesting that Ad astra provide an agreement with XXXX XXXX that grant them the authority to collect on this alleged debt. Also any insurance claims been made by any creditor regarding the account. Verification that this debt was assigned or sold to collector. Documentation showing they are licensed to collect debts in Missouri. Commission for debt collector if collection efforts are successful. I also asked for them to provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. And I also stated in my letter that their claim will not be considered if any portion of the above mentioned was not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (I do not know) with Firstsource Advantage, LLC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling, usually refuses to say who they are, or the company. When they do actually disclose this, they refuse to say why they are calling, other then to say its a personal matter. They refuse to state what the company does. They just keep saying its a personal matter, and the person does not even live here.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended a College in 1996, the College was threatened with losing it 's accredition so I transferred to a Technical College. XXXX XXXX XXXX provided Maintenance/Servicing to my Loans, at which time I was told the old debt was deleted due to leaving the School and it later losing accredition. My loans were then sold to Navient who then told me My accounts were deffered, or in forbance which neither happened, and the Interest is more than I originally owed for the Loans to begin with.

Company response to consumer: Closed with explanation