milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Payday loan, title loan, or personal loan (Installment loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Charged fees or interest you didn't expect

Complaint: For awhile now I have been borrowing from a company called XXXX XXXX XXXX in XXXX XXXX, Texas. I was recently looking over the detailed payment statement and noticed an extremely high charge for this loan. It is described as a " CSO fee ''. This fee is higher than the interest charged which, as you know, is significant. 

I called the local office and asked them what Is the CSO fee? They did not know so I asked for the supervisor. After speaking with several people in the company no one seemed to know what the CSO meant. This strikes me as being very odd so I decided to try to find someone in a regulatory department that might be able to help me. 

This is the reason for my letter to you. What is a CSO fee and why is it so high? I am hoping that you can give me some insight on this. 

Thanking you in advance for any assistance you can give me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting a duplicate account with negative rating. With documentation from CFPB that shows reporting is wrong, letter from company apologizing that report is wrong, and calling Equifax and they state it is wrong. The report continues to report a duplicate account even after several attempts to dispute on line. 
Next phase will be suing Company and Equifax to false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was one of the millions of people whose information was leaked by Equifax due to a failure to use a software patch. 

Despite contacting them many, many times, I have been unable to get my credit frozen. 

Today, as per their instructions in response to my complaint XXXX, I called the automated system. AFTER I gave them my social security number, the automated system told me they could n't process my information. 

Why did they wait until I gave them my social security number? Are they stealing more information from me? Have they been hacked again? How am I supposed to get my credit frozen? 

I have tried and tried to contact Equifax, but the only numbers they provide are for robot-like representatives who just tell you how to freeze your credit, which does n't seem to work.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: An unauthorized charge to my credit card was made by  XXXX  and granted by Bank of America without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with Bank of America via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.

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 03/22/2018 about Debt collection (I do not know) with McCarthy, Burgess & Wolff, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was a victim of ID Theft last year ( XX/XX/2017 ) and have had multiple debt collections dismissed as a result. I have a police report filed as well and have put a Freeze on my credit report. This company has been calling me several times a day, evenings, and weekends. I took a picture of the number of times they've called me. It's harassment and I want it to stop.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account was deleted from both XXXX in 2014 but this company has re entered the account through XXXX although they are aware that It does not belong to me. Please see the attached which shows the removed item listed on the documents received XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My nephew attended XXXX XXXX XXXX for 4 years and 1 XXXX year. He intended to become a XXXX  but died at age XXXX. It has been almost a year since he has been gone. I am his aunt with POA for his father ( my brother ). In the last year of school my brother co-signed a private loan.to help with tuition. At this point my nephew owed approximately {$36000.00} to Navient. Since the loan money went to Navient directly, my brother did not understand what he had just signed. When my nephew died XXXX of the XXXX student loans ( XXXX XXXX {$77000.00} in XXXX loans and Navient {$15000.00} in XXXX loan ) were forgiven.. The private loan {$15000.00} was not. I became aware of the problem this last year ( 2016 ) and contacted Navient to find out what had happened. I got a different manager every time I called. I talked to the Navient office of Customer Advocate for Navient. To buy some time I bought several months of forbearance to keep the account out of default while I tried to reason with Navient.. I called XXXX XXXX XXXX Finance department and found they considered the remaining debt as standard of practice should also be forgiven. I tried throgh my US Senator to contact the Federal Student Aid but found the CFPB was the correct department. I did not make any progress toward making a resolution. other than to " just pay up ''.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: My private financial information was stolen and used to open a Mortgage loan with CALIBER HOME LOANS, INC. As a result of this identity theft, the fraudulent loan opened with CALIBER HOME LOANS, INC. is in default and now CALIBER HOME LOANS, INC. is conducting a fraudulent foreclosure to try and take my home. I have never applied for a loan with CALIBER HOME LOANS, INC. nor have a received any money from CALIBER HOME LOANS , INC .

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On one of those predatory subprime loans by XXXX with the first servicer being XXXX and then servicing apparently turned over to XXXX XXXX XXXX XX/XX/XXXX, with my mortgage allegedly being securitized in to XXXX XX/XX/XXXX ( purported loan closing XX/XX/XXXX ) there was a Trustee Sale XX/XX/XXXX and recorded in XXXX County. I have never been told who the true creditor is and that is a violation of TILA. The loan was not funded by the named lender XXXX XXXX. So the Trustee 's Deed has been recorded with a XXXX as being who is the purported new owner of the property since XX/XX/XXXX. 
I received an IRS XXXX form for that XX/XX/XXXX foreclosure sale and it lists the lender as being XXXX with the EIN matching that. Now comes XX/XX/XXXX and I receive another XXXX from a Specialized Loan Servicing for the same property/loan. However, I have not owed any entity any monies since the loan was extinguished by the XX/XX/XXXX Trustee Sale and the purported recorded property owner is XXXX since XX/XX/XXXX. Additionally, the original purported loan number was XXXX and the XX/XX/XXXX XXXX XXXX lists a different loan number and then yet a different loan number on the SLS XX/XX/XXXX XXXX. Additionally, the loan number ending on the Trustee Deed Upon Sale does NOT match the original mortgage loan number on the Note/Deed. I want the FDCPA and FCRA laws, which have be violated by Specialized Loan Servicing, to be enforced and they should be fined and the fine monies paid to me immediately.

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 09/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with EARLY WARNING SERVICES, LLC (TX).
Issue: Money was not available when promised

Complaint: My tenant sent me the rent via ACH using his XXXX XXXX account using ClearXChange. I got an email that I am receiving this money and i clicked on that. Just to check the status - i logged into the account. It had my XXXX XXXX checking account. But then ClearXChange asked me to switch to XXXX ( their so called easier and faster platform ). There were no documentation in terms of the consequences of doing this. 
When i did that - i come to know that XXXX is only mobile based app - it 's not something that can be done via computer browser ... it 's strict no no for me. Worst thing - it cancelled my ClearXChange profile and cancelled my incoming transfer. 

Out of frustration - i called the toll free # at around XXXX XXXX central time and happen to talk to XXXX and XXXX ( supervisor ) about it. But talking to them was the most hopeless thing in the whole world. 

Few questions : 1 ) Why in the world they are forcing customers to switch to the new platform?
2 ) Ok, you can ask customers to switch to the new platform - but why you are cancelling their existing money transfers?
3 ) With the platform change - their IT or operations should have done the heavy lifting task to migrate the customer profiles and money transfers rather than passing the entire burden to the customers to do that. Moreover they negatively impacted all the customers. 

This is plain simple ridiculous. Customer service seems to be operating from XXXX and does n't even know how to deal with customers in this kind of situation. They are taking customers for granted.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had an acct with XXXX for 14 years and was never late. I became unhappy with their service and switched to XXXX XXXX XXXX. When I changed I was under no contract, I had been month to month for about 18 months and had not signed a new agreement. They called me once to tell me that I was paying to much and they were going to change my plan to make it more cost effective. I specifically said I did not want a new agreement and that I would only do it if it stayed month to month. The CSR said it would not change anything and I let her make the changes she recommended. I really do n't remember what it was something to do with the internet. I did not get any new phones as I did when I renewed my agreement before. I left XXXX some time after that and I was not told anything about any bills and paid my last bill for service. A few months later I received a notice saying I owed them XXXX for termination fees. These are fraudulent charges made by XXXX. I have disputed this four times and it gets removed and than resold to another collection agency later. its now with convergent and it is wrong. They have no signed agreements from me and I never got anything from them. Also I never received any new phones as I did when I renewed my agreement the 7 other times. They are impacting my credit dramatically and its is fraudulent charges and they need to remove them permanently, Also correct mycredit reports immediately

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 02/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Deposits and withdrawals

Complaint: We have been clients of Chase banking for over 20 years with no issues. As of XXXX XXXX, 2016, our account was compromised ( both checking and savings ) in which all of our money was removed from the accounts. We had realized that our account was compromised when we attempted to make a purchase and our account was denied. We received no alert from Chase that a questionable purchases from another state were made. We contacted Chase the moment that we found that our account was compromised and they had closed our account and told us that we needed to go to the nearest Chase bank to open a new checking account which it would take 48 hours to reimburse us. We opened the new account on XXXX XXXX, 2016 at the XXXX branch in which they claimed that the money would be placed into the new account. We explained that our paychecks are directly deposited into our checking accounts and they assured us that the paychecks would be wired from the old account into the new account. The money from our paycheck was deposited into the new account, but as of Friday, XXXX XXXX, 2016, our account once again had a zero balance. None of the money was taken out by us. We returned to the XXXX branch, spoke to the representative that opened our new checking account, and she told us that the money that was removed was from a computer error and would be back in our account by Monday or Tuesday. Today, XXXX XXXX, 2016, I had called the bank representative and she had told me that all of my accounts had been closed and that our money would not be reimbursed at all ( XXXX the money that was originally taken from the account, as well as our most recent direct deposit. She gave us a phone number to call, because she did not have further information for us. After calling the number, we spoke to a XXXX, who explained that the claim went through review and due to " multiple claims '', we are liable because our bank accounts were not secure enough. I had inquired about the " multiple claims '' in which he changed his wording and mentioned that it was only XXXX claim. He said that Chase no longer wishes to do business with us. This has been the first time that we had ever had a compromised account without my knowledge as to how the account was compromised. The transactions were made in Florida from what we were told and we had not been in Florida nor made any transaction with anyone in Florida. It was explained to us that since the money taken was less than {$5000.00}, our account would be reimbursed, which did not happen, nor did the reimbursement of our direct deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ascension Point Recovery Services, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ascension Point Collection is attempting to collect a decedent debt they say they have obtained from XXXX XXXX associated with XXXX credit. My father passed away XXXX XXXX, 2016. They are stating that {$300.00} is owed on a credit card associated with XXXX and this bank. XXXX and XXXX XXXX have been contacted and there is no money owed. They released all financial obligation upon his death. Further, they have never heard of this company and only associate with XXXX. No paperwork has been given via the bank to ANY collection agency nor will there be. Despite several calls, the company is saying payment is owed. This is a scam. No one from the bank has even heard of this company. They are insisting on payment and have sent paperwork and made numerous calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed this item with Transunion several times. Every time, I receive a response that the debt is valid. Yet, I have NEVER received any documentation that proves that ( 1 ) the debt is valid and ( 2 ) the debt is mine. I am at my wits end with the massively irresponsible behavior demonstrated by all of the credit reporting agencies ( XXXX, XXXX, and Transunion ).

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: During a data breach at Equifax in XXXX of 2017, my personal Information was stolen from their systems. The information included date of birth, social security, and drivers license. This has left me vulnerable to fraud. Equifax offered to provide fraud protection but only if I waive my rights to sue them for damages due to their inability to protect my information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I sent a letter to Experian outlining errors on my credit report in XXXX. I included copies of my identification as explained on their web site. My letter was ignored and never answered as the law requires.

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 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX weeks ago I got a phone call from a collection agency and I asked them nicely not to call my work. The following week he called my job again and left a message for me to call him. I called him back and told him the exact thing I said the week before. Yesterday I receieved a message at work from my boss that a lady called me and I did n't have time to call her. Today she called me again and gave me the same reference number as the man gave me. I asked her not to call my work. I am not allowed personal calls then she threatened to serve me papers at work if I did not call XXXX Ref # XXXX and speak to them. I called the number and ended up getting in a screaming match with the man because I felt like he would n't prove to me the paper work that was sent to him from the original collector. He was very rude and threatened me with turning me into the check card place to have me arrested. I was not saying I would n't pay what I owe I just wanted prove. I did offer him {$500.00} to clear the debt today and at XXXX he said yes. He put me on hold and came back with {$670.00} today and I told him I did n't have it. So thats when I wanted prove of all the paper work they had. They are claiming I owe {$1500.00} for Fifth 3rd Bank from 2012. I told them I needed to contact the bank first to see why I owed this and he got very angry so I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (LA).
Issue: Problems when you are unable to pay

Complaint: I woke up Sunday morning ( XXXX XXXX ) to find that my vehicle was missing. I immediately called the police and was told that it had been repossessed. I 'm in total disbelief because I 've paid my car note faithfully around the XXXX of every month. I 've been doing so since XXXX. My driving forth to continue paying my note in the amount of {$350.00} is my maturity date of XXXX. My email address and mailing address has not changed and I was n't notified of any discrepancies of my method and frequency of payments. My rent and utilities are due at the beginning of the month, which is why I ca n't make my on the XXXX, the due date, which is also why I make the payment around the XXXX. I have been totally inconvenienced, I have a young school aged child and I work. My phone number changed last month but I was n't in a hurry to update my information because they constantly called on the XXXX ( the due date ) and throughout the month until the payment posts, also because I 've made the proper payment every month. We have n't had a conversation in regards to changing the payment due date if my paying on the XXXX was an issue, so I 'm not sure what 's going on here. I 'm not going to express the importance of having a vehicle because I 'm sure you know this. I need my car back in the same condition it was picked up in, with all my valuables.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives that advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I filled out a form online asking for current VA mortgage rate quotes. I did not include my social security number on any form. This lender just sent me a letter telling me they could give me a mortgage after running my credit. When I checked 4 companies ran my credit, when I only authorize one of the four. My credit score took a hit from XXXX to XXXX because of this. I need it fixed ASAP because I am in process of buying new home and need best rate I can get.

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 06/24/2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called my supervisor and harassed my supervisor about me, leaving threatening messages on my cell phone and work phone.

Company response to consumer: Closed with explanation