milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Application, originator, mortgage broker

Complaint: Quicken Loans mailed me a notice that claimed I was prequalified to refinance my home mortgage. ( My mortgage is currently with another lender. ) The notice claimed " You 're already prequalified to refinance your home loan at a low, 30-year fixed interest rate of 4.125 % ( 4.273 % APR ). This lower rate could reduce your monthly mortgage payment to {$1500.00}! '' The claim clearly indicates that my current mortgage rate is higher than their rate and that my monthly payments would go down with this refinance. They even mention my current approximate mortgage balance in the advertisement which gave me the impression that they have my current loan information from my recorded mortgage or credit report. However, my current mortgage rate is much lower ( 3.25 % fixed for 30 years originated in XXXX 2012 ) and later in the fine print they also planned to charge me 1.75 % in points to get their higher interest rate. The P & I payment they quote of {$1500.00} is slightly lower that my current P & I payment of {$1500.00} but they are re-amortizing my current balance over a new 30 year period to achieve that $ XXXXmonth savings! This refinance would cost me considerably more interest over the term of the loan despite the lower payment. Clearly, their claims are not in my best interest and are deceptive ; particularly, their claim that they will lower my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have reached out to Southwest Credit on several occasion to inform the company that I did not apply for a phone service with XXXX XXXX XXXX the only phone service that I have every had since I was release from prison in XXXX 2012 was XXXX and XXXX.

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. (IL).
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: Equifax refuses to investigate fraudulent inquiries on my credit report. I have spoken to several representatives and filed multiple disputes in regards to inquiries and each time Equifax responds and says that the inquiries are a matter of factual record and can not be removed. Under the FCRA guidelines fraudulent information on my credit report must be removed. The below inquiries are related to fraud and need to be removed XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Medical debt) with Credit Bureau of Jamestown, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt was for my son who went to the emergency room for an issue he was XXXX yrs old. They billed me for his account when he was legal age and on his own. I was not even there when he was treated. How am I responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax refuses to let you speak to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I reached out to Navie nt 2 weeks ago wi th the CFPB recommended payment letter explaining how I want my payments allocated.  <P/> I sent another email 2 days ago requesting confirmation that the letter was received.  Navient responded saying that they received my letter but I would need to send one with every payment.   <P/> I called navient on  XXXX  stating that my instructions were for all payments going forward. I also explained that their website does NOT state that a letter needs to be sent with each payment. Their instructions only state that you can reach them by writing a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: It is basically impossible to get a hold of someone at Transunion. The phone number on my credit report is just a loop, and all they want to do is sell you products. I need to tell them they are reporting judgments that are not mine, and I 'm currently paying too much for my mortgage due to this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: Ocwen Loan Servicing and XXXX both have committed years of fraud against me. Attached is email communication between my local district attorneys office and myself, Investigation. Ocwen Loan Servicing robo-puppet " XXXX '' is cherry picking email communication between Ocwen crooked counsel " XXXX '' and myself only to spin its cover up to the CFPB. its very difficult fighting a bunch of Ocwen scumbags when I am having multiple XXXX daily do to Ocwen Loan Servicing crooked robos overwhelming fraud abuses. Ocwen Loan Servicing and its robo-puppets keep harassing me, claiming I owe a debt with Ocwen when I do n't. I try and plead with Ocwen scum employees and explain to them that Ocwen / XXXX used fraud upon the court to phony up a pretender beneficiary judgement, using forged fabercated documents to bribe a bias judge to strip me of all my rights. I demand scum Ocwen lawyers to have XXXX VP XXXX call me to discuss XXXX/ Ocwen Loan Servicing ongoing fraud abuse which has caused me serious health troubles,

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was transferred to Nations Star Mortgage from XXXX XXXX XXXX I believe in XXXX. XXXX XXXX XXXX was involved in a lot of predatory lending complaints and issues when it sold my 80 % loan to Nations Star Mortgage. I was told by various representatives when I call them over the phone in XXXX not to worry about a company called XXXX who supposedly bought the 20 % Loan from XXXX in XXXX, but in actuality, my XXXX loan was modified and approved through XXXX XXXX XXXX XXXX and I have written proof and the approved loan docs stating that the modification was approved and all documents were received by XXXX XXXX in XXXX and that the 20 % Loan was written off, and that I was no longer responsible for it. I still have XXXX documents from XXXX XXXX ( this mortgage lender is known for misconduct with their previous loans for the XXXX XXXX XXXX and is no longer in business ) stating that I was only responsible for the 80 % loan of $ XXXX. So from XXXX until present, I have been paying my mortgage on time to Nations Star Mortgage. From XXXX until XXXX, I have never been asked to pay this $ XXXX that XXXX XXXX XXXX is saying I owe all of a sudden, nor was aware that I was still responsible for this amount when I have a letter stating that amount was written off from XXXX in XXXX. 
So when I contacted nations star mortgage and made them aware that I have rented out the house in XXXX after I got married, I started to receive letters and notices of XXXX XXXX XXXX trying to foreclose on my rental property. I was shocked and confused to say the least. I have raised my family in that home since XXXX when I first bought that home, and was saving this home for my children and their children. 
When I called Nations Star various times to confirm or to see if this XXXX XXXX XXXX XXXX reached out to them, they said that they have NOT and NOT TO WORRY ABOUT THEM, THAT THEY COULD NOT FORECLOSE ON MY PROPERTY! 
There were various times and I know that the calls were recorded and that there were documentations of my conversations, and now the second bank has foreclosed on the property, Nations Star mortgage is n't doing much to help me or try to give me more time to hire an attorney and get this figured out. I am 3 months behind on the mortgage because the tenants are n't paying me rent anymore, and are paying XXXX XXXX XXXX rent on a $ XXXX home and my tenants are under the impression that they are paying on a {$40.00} foreclosed lien on my property at XXXX XXXX XXXX XXXX, GA XXXX. 
I was extremely shocked that this has happened and I really need some assistance with nations star mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding scams using XXXX Indiana and XXXX Indiana title work attached to towns social numbers and birth certificate and XXXX   record and schools records, 50 states frauding cases Also frauding scams using XXXX fraud ids and business permits Frauding scams using XXXX business permits and ids There was others counties of Indiana which wrecked on that location of data

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 01-03-2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Portfolio Recovery Services called me at XXXX PST on XXXX XXXX, XXXX. I did not answer the call as it was too early but it did wake me up. I looked the number up on the internet as soon as I got to work to see who was calling and found that it was Portfolio Recovery Services, only with a different number this time. In this instant, they had called from a Virginia XXXX, VA number. They did not leave a voicemail. 

Another call from Portfolio Recovery Services happened at XXXX PST on XXXX XXXX, XXXX. This time, they had called from an XXXX, FL number. I did not answer the call since I did not recognize it and they did not leave a voicemail. Again, I looked the number up on the internet to see who had called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2016 about Consumer Loan (Vehicle loan) with OpenRoad Lending (AZ).
Issue: Shopping for a loan or lease

Complaint: I received a solicitation from open road lending XXXX/XXXX/2016 for refinance applied for a refinance and was so called approved for refinance and interest rate@13.64 percent XXXX a month the company had me fax over all documents needed for funding to submit to the so called investor which is XXXX. Spoke to XXXX at XXXX after this so called approval and went through a so called phone interview confirming all of my employment resident info etc .... interest rate 1st payment date recorded affirmation agreeing to the terms of the new loan. He advised it would take a few days to complete the refinance and if there were any additional questions he would contact me. Received a letter in the mail from XXXX advising I did n't qualify for a refinance at this time after they verified my credit. 1. I received a so called approval from open road lending who failed to also disclose this information and 2. I did not give permission for XXXX to pull my credit report. I had my credit pulled and was told the approval expired 30-days from XXXX/XXXX/2016 which was about XXXX/XXXX/2016 this company has completely mislead me as a consumer and I want this resolved and want to know why this was not disclosed and even after applying for the refinance it 's like it was a fake approval. I also will be consulting counsel on this one this is not okay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX = i disputed the account balance which was {$160.00} as reported and then I challenged it because the actual balance is {$15.00}. I can not understand how the balance went down and the credit utilization from XXXX XXXX to XXXX XXXX. My score dropped XXXX points even though my balance went down. SEE PAGE XXXX OF THE ATTACHMENT.

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 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (SC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I attempted to use my Walmart MasterCard at XXXX on XXXX/XXXX/XXXX and the transaction was declined. I called Customer Service regarding the declined charge and was informed that it declined because they sent me a new card. I inquired why with the representative and she could not provide a plausible answer as to why a new card was sent. On XXXX/XXXX/XXXX, I received notice via mail that there was an address change on my account. I attempted to check my Walmart MasterCard account online and learned that my account was closed. I called Customer Service BACK as I did not request a change of address and wanted to know HOW someone was able to request an address change. The representative informed me that the thief used their automated system to request an address change. The representative would NOT provide me with the address that was given to them in Florida nor would they advise me on how the individual was able to do this over the phone. The representative also advised me that the card was reported lost or stolen. The thief was able to spend {$2500.00} on my credit card in Florida BEFORE they realized that the transactions were unusual. My address has ALWAYS been the same and almost all recent purchases show a certain state and city for trending purposes. My question is WHY did n't they contact me to verify this BEFORE they sent a new card to the " updated '' address? I find their policy regarding updating addresses and reporting cards stolen to be absurd and in need of changes as it is not FAIR to consumers that thieves can use this as a tactic to steal identities and credit card information. It is absolutely ridiculous that I had to answer several identifying questions before finding out things concerning my account when the perpetrator was able to simply dial in to the automated system, report a card stolen, and update an address.

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 05/13/2015 about Consumer Loan (Installment loan) with Pathfinder Credit Services (UT).
Issue: Managing the loan or lease

Complaint: They agreed to allow my son to make his XXXX payment on XXXX XXXX, 2015. They did not notate the account to reflect this agreement and refused to honor it. They have routinely misrepresented their employees actions and the employees are lying about all contacts with us. He has given them permission to take automatic payments and the company is not taking them. I am receiving letters from the company stating the payments are not being made. I am feeling threatened and harassed by these letters. My son is making every attempt to make these loan payments. This company is not ethical in any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland Funding was listed XXXX on my credit report, XXXX in collections and once in public records. I think I was able to remove them from public records but unsuccessful to remove them in collections. 
Also, kindly note that this account started as XXXX XXXX card and sold multiple times. It has been paid in full. 
Please, be so kind as to help me to remove this from all XXXX credit bureaus. In both collections and public records. Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Between XXXX and XXXX this morning ( XXXX XXXX, 2017 ), this collector called me 15 times in a row. Many times, calls were overlapping other calls, filling up all of my auxiliary lines.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: Hello, I signed up for a promotion to get points after spending a certain amount on the credit card. After meeting the requirements, I was awarded the points. This XXXX I cancelled the card, and was never notified that the points would expire after the card is closed, since I have additional cards with the bank. Based on what I 've been told before, as long as I have accounts with the bank, the points will not expire. This is stated in the disclaimer as well. After speaking to a rep over the phone, they advised that I shouldve been notified when i filled out the request the close the account. However, I never needed to fill out a form to close the account. I just sent one simple message, and the team closed my account out. This is very deceptive and the rep acknowledged that I shouldve received notification as well prior to the account getting close and that I shouldve received properly disclaimers on the effects of an account closure. Citibank is inconsistent in the way they handle accounts and the consumer if negatively affected as a result.

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 07/18/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease

Complaint: Good afternoon. I have reviewed a copy of my XXXX credit report dated XXXX/XXXX/15. Ally financial is still listed in the " Negative '' accounts section due to stating the following " Discharged through Bankruptcy ''. This is absolutely incorrect. Also, an Ally credit reporting representative called to tell me that the vehicles were included in the bankruptcy and were turned in. The vehicle loans were NOT part of the bankruptcy. If this were the case, I would not have been able to trade in the vehicles and the loans would not have been paid in full .... Page 32 of the attached document shows that Ally / GMAC was reaffirmed and exempt from bankruptcy. 
It is unethical for this company to continue reporting incorrectly. 
I am having a similar issue with XXXX XXXX and XXXX XXXX. However, they are only reporting that I filed " Petition for Chapter XXXX Bankruptcy ''. This is true, but NO student loans were included in the bankruptcy. Therefore, should not be reported under " Negative Accounts '' Thank you for your immediate assistance, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: APR or interest rate

Complaint: I am submitting a formal complaint regarding my CareCredit account and request that interest be removed from my account and only be charged from the balance when the promotion ended. The original loan was for {$8100.00} and I had paid it down to {$3200.00}. Going back to the original balance is unfair and deceptive practice. CareCredit is performing like a predatory lending company and not like a bank charging interest rate at 26.99 % to low income consumers. When I called Synchrony Bank to complain and to request a copy of my signed terms and conditions they referred me to the dentist office. I called the dentist office and they said they do not have copies of the agreement. I then again called Synchrony Bank to request a copy and I still have not received a copy of my signed agreement and I asked to speak to a manager and no one has returned my request for a call back. 

Synchrony Bank should have the promotion ending on the home page on their web site when you sign into your account. Payments are also made from the home page never requiring you to open your statement. I was paying over the minimum balance and thought I was paying it off early due to the minimum balance kept going down. The emails stating my statement is ready should have the promotion ending as well. In addition, the provider never said that I would need to make {$450.00} payments in order to pay the credit card off to avoid the interest charge. The provider that offered the product was not informative regarding interest rate, payments and that the interest would be charged from the original loan amount.

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 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has admitted that my credit file has been breached. They are distressed with me since they knew my file was breached over two year ago, and they are charging me for monthly monitor. Why is it that Equifax are getting away with ruining consumer lives? Thieves are using my information all over Georgia with impunity. I have been targeted by criminals about two years ago, or so. They are mendacious saying this breach started in XXXX 2017. 
In fact, this is a bold face lie. Earlier this year someone got a XXXX card in my name, they did an address change first, then got the card. 
They are still with this trickery and foolery. I need to know what could be done to Equifax criminally. I filed a complaint against them with the Consumer Financial Protection Bureau. Within hours they put thirteen ( 13 ) negative accounts on credit file. Those accounts are either, fraudulent, my daughter, or my son. 
However, it didnt matter to them because it is vengeance, and revenge against me for filing that complaint, and letting other consumers know the breach took place earlier than the timeframe they told us. This is unacceptable and unenforceable, and this is an unscrupulous bid by Equifax to inject itself from legitimate deed against them.

Company response to consumer: Closed with explanation