milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2016 about Payday loan () with CNG FINANCIAL CORPORATION (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Unsolicited debt collection company called my cell phone by a private number. Did not leave number, only left a message stating that I was to be " legally '' served by original pay day lender for fraud. Then proceeded to call my sister 's cell phone number telling her that I am being sued for bounced checks from Check 'n ' Go. And that I am supposed to sign some papers by XX/XX/XXXX by a processor from XXXX XXXX in XXXX, CaXXXX There is no such company in XXXX, XXXX. Some man on the phone gives me a claim number and weird ( XXXX ) XXXX from XXXX, XXXX to call. So I am talking to someone by the name of XXXX. He proceed to tell me that I owe Check n Go XXXX plus more interest of 22 % and not the original balance of XXXX. He went on to say that if I do n't pay them that I will have my wages garnish for 1000s of dollars. And that it will appear on my public records. He then sends me an email stating that I must sign for credit card authorization to pull funds to pay down the debt of XXXX to XXXX. So, me not paying attention to my intuition. I foolishly told him my paydays and when I would be picking up my check and signs the papers back into the email. Um, I have given this third-party company my bank debt card info, they have n't withdrew any money yet from my account because there is no funds available. I have been trying to work out a payment plan with the original creditor this month so I found this pretty fishy to begin with. Anyway, I went ahead and called Check n Go and told them the problem. They told me that never sent out any legal action against me, but only sent my account to another collection agency which still had my information. They also told contact that agency who has my information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (TN).
Issue: Application, originator, mortgage broker

Complaint: I had a co-worker tell me about refinancing my home with Quicken Loans ... I called the company to ask what they could do for me etc ... I gave them all the info they need reguarding my home etc ... the guy pulled my credit score which was XXXX he said, he could combine my mortgage and debt i had and save me about {$260.00} a month and that I could write off mortgage than my debt every year and save me money ... they sent out an appraiser etc. I lost {$500.00} of my money now ... since we were trying to get a loan for about {$180000.00} and house appraised for refi only, he gave me $ XXXX, he was maybe at my house XXXX min .... my Realator said, he low balled the amount, min. should 've been $ XXXX as high as $ XXXX ... Not only have I lost my {$500.00}, but I felt mislead ... So upset over the whole thing, I was just trying to consilidate. I had some equity already when I purchased the house 2 years ago this month.. 

thank u, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SECURITY FINANCE CORP (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I was approved in XX/XX/XXXX for a personal loan at Security Finance XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This was a credit builder loan to establish current credit line to increase credit score. Security Finance states they report monthly to credit bureaus for this purpose. Payments were for 6 months, I have all receipts. Last payment XX/XX/XXXX. Around XX/XX/XXXX, my credit reports did not show current payments. At Security Finance office, I spoke to XXXX. She told me they were having problems with their 'reporting system. ' I asked her to reach out directly to credit bureaus to fix this. XX/XX/XXXX, I got stamped paid in full document for this loan. 7 months later in XX/XX/XXXX, my credit reports showed {$90.00} balance past due to Security Finance. I was given Security Finance corporate number, called and reported this problem. I contacted credit bureaus. Security Finance DELETED my account! Their contract states they will do monthly payment reporting..and they did not honor their end of the contract! They took all my money plus interest and did not provide services as stated. The also did a random credit inquiry which lowered my credit score from XXXX to XXXX. 2 years later, still no resolution.

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 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: This is a continued ongoing complaint. Again XXXX has responded with allegations that they were in their right to pull my credit and perform a hard inquiry, but again and again have failed to provide documentation that supports their right under the Fair Credit Reporting Act ( FCRA ). I never gave my consent for XXXX XXXX to pull my credit history, I never submitted a loan application, I never showed or implied interest in any of their loan products and I never suggested that I was in the market for a loan of any sorts, yet TransUnion continues to side with XXXX XXXX without requesting that they produce material that would support their right under the FCRA claim.. I called XXXX XXXX just to talk to a loan " specialist '' for information regarding how much time from the date of a foreclosure would it take before being once again eligible for a mortgage loan? I was told that they would need some basic information and after giving said info I was then told that I was not eligible for a loan mortgage at this time ... Huh ... I already knew that? Then was told it would take 5 to 7 years before being eligible for any of the loan products that XXXX XXXX offers, with that I said Okay thanks for your time and hung up. Many months later I came to find out that without my permission or knowledge my credit was pulled for asking a mortgage question only ... This is violation to my rights as a consumer and rights under the FCRA. Furthermore XXXX XXXX   response that I had interest in a loan product because I asked a question and therefore they were in their right to pull my credit is total XXXX and preys on unsuspecting consumers.. So I ask again for XXXX XXXX to provide proof of my interest in being approved for one of their loan products other than a letter that states I called and had a conversation with a XXXX XXXX rep and was denied a loan ... Please be advised that I will continue to use ant ans every platform available in resolving this matter ...

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: In light of the XXXX breach, I am trying to place a freeze on all credit reports. 
Experian is making this impossible. 
I have tried to access the website/link to do this on their website, but they took the link down. I also tried to call the company, but they are saying there is excessive wait times and I can not reach a person. 
Instead of allowing me to place a freeze on my credit report, they are offering me paid " alert '' services at prices of $ XXXX {$20.00} per month. 
They are trying to take advantage of the situation, and are doing something illegal by not allowing me to place a freeze on my credit 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 explanation
Consumer complaint received 06/28/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: There is an assignment of deed of trust on file with the XXXX County Clerk 's office that was filed on XXXX XXXX, 2011. The assignment of deed of trust has the incorrect property city and property zip.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried dispute these and it gets me no where, even on the website it wont let me, these are not my accounts, I am working hard to get my account in shape and its steadily adding these accounts from someone else! 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$750.00} XXXX XXXX Authorized User XXXX $ XXXX XXXX Authorized User XXXX $ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry XXXX XX/XX/XXXX + XXXX XXXX-auto Inquiry from XX/XX/XXXX + Misc . 
XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Retail, Not Elsewhere Classified XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX   Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My Trans Union credit Report has too many inquiries in my report. So of them stems from the same company and has the same time.. Trans Union and their Customer Service Representative would not help and take care of the negative inquiries reporting to my credit report I want these inquiries to be delete from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 10/21/2016 about Consumer Loan (Vehicle loan) with Home Loan Center, Inc. (TX).
Issue: Shopping for a loan or lease

Complaint: On XXXX/XXXX/16 I went to Lending tree looking to get rate quotes for an auto refinance. When filling out your information on the Lending tree website it ask for your information and the last XXXX of your SSN, which normally entails a soft pull for promotional purposes. It further states " View Free Offer ''. Well Lending tree was able to retrieve my full SSN, which I did not give them and they passed it on to other lenders who turned around and did a hard pull without my authorization to do so. When these lenders called and left a vm in regards to the the rate quote I wanted they said they needed additional information in order to proceed. Well I never called them back not realizing they had my full SSN and they pulled my credit report by just using the last XXXX digits of my SSN. I did not know this could be done. As I did not give my full SSN. Their website is not very clear and can be deceptive. When I contacted Lending Tree in regards to this matter they said it states that they will do a hard pull, but it does not state such where it 's very noticeable. Furthermore, they did not even give any rate quotes but only gave the lenders name and phone number. I think lending tree should put on their website that this will result in a hard pull in Big Font right underneath where it asks for the last XXXX of your SSN, as this is misleading and shoppers are unaware of this free offer resulting in a hard pull of their credit report. I also did compassion shopping of their mortgages and it did not result in a hard pull but a soft pull. I want Lending tree to have these inquires be removed from my credit report as I did not authorize for my credit report to result in a hard pull as I was not applying for credit but was simply doing comparison shopping of rates.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: When I asked to have my loan adjusted for Income Based Repayment there was some miscommunication with how and when this would start. My auto payment was deducted from my account, at the correct adjusted amount, but then I was told I owed an additional amount for the month. I called Navient and they are working on the issue but the constant phone calls have not ended. According to them my account is 12 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (I do not know) with High Point Asset Inc (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get calls from this company, I believe it is High Point Asset @ XXXX. They are trying to reach XXXX XXXX at my cell number. I have spoken to them several times now, explained that this is not his number, explained that I have had this number for at least 15 years and request that they stop calling. Despite assurance otherwise, they continue to call XXXX at my number.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 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: Reporting company used your report improperly

Complaint: XX/XX/XXXXXX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted. 

On XX/XX/XXXX, I checked their website and my information was part of hack described in their announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with R & B Corporation of Virginia (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt collection company has had this account on my record for years and I was not aware as I was not paying very close attention. Now that I am paying attention to my credit and clearing it up, I asked them to remove it as did the original creditor XXXX-who the debt was paid to- and they refused until next year. No payments were made to this company and the original creditor even called them when the account was paid off and removed the account from them and has since sent another request ( in the last 60 days XXXX to remove the account to which they still refuse. This is a tactic that is hurting my account and they refuse to abide by the creditors request or mine to have the account removed and so I am taking the next step in a long drawn out process. I want this collection off of my account before next year

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On or about  XXXX / XXXX / XXXX   XXXX   XXXX  reported  XXXX  student loan as 'unpaid balance charged off '. On other dates listed in credit file number  XXXX  included the same account numbers listed as "  XXXX  '' address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SD reported account numbers  XXXX  as date opened of  XXXX . Changed to another account number by   XXXX   XXXX   On other previous occassions  XXXX   XXXX   XXXX  reported 90 day past due marks on credit account. All of which where erroneous.  1 ) Reported payment history deleted 2 ) Reported statues erroneous 3  ) Reported past due erroneous  XXXX . Furnishing certain deceptive forms " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in. ''  XXXX  False or misleading representations " Communicating or threatining to communicate to any person credit information which is known or which is known to be false, including the failure to communicate that a disputed debt is disputed ''. Sec  617 Any consumer reporting agency or user if information which is negligent in failing to complywith any requirement imposed under this title. ( 2 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney fees as determined by the court. Sec 611 ( c ) " Whenever  a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelavent the consumer agency shall clearly note that it is disputed by the consumer and provide the consumer statement or a clear and accurate codificatuin or summary thereof ''.  XXXX   XXXX   False  or misleading representations  ( 10 )  " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ''.

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 08-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX, at approximately XXXX XXXX CENTRAL STANDARD TIME. I, XXXX XXXX XXXX, called Navient for deferment ( In-school XXXX XXXX ). They promised to accept my documentation and proof of enrollment at XXXX XXXX XXXX XXXX. I am enrolled for 6 credit hours. The last term was a pain to get deferred, also! Now, Navient has denied my in-school status and stated, " Ineligible school. '' Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I was using BoA cash back deal for XXXX by XXXX. Which is {$15.00} off for over {$20.00} transaction. But BoA did n't give me the cash back. Account type BankAmericard Cash Rewards Visa Platinum Transaction description XXXX BY XXXX Posting date XXXX/XXXX/2017 Transaction date XXXX/XXXX/2017 Order date XXXX/XXXX/2017 Amount {$23.00}

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom I t May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relat ives address. Please see the attached copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRENT WORK INFORMATION IS :   XXXX    XXXX  /  XXXX   XXXX   XXXX    XXXX   XXXX   My current phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H   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   O H   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   O H   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   O H   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   O H   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   O H   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   O H   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief