milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/31/2017 about Payday loan, title loan, or personal loan (Payday loan) with SECURITY FINANCE CORP (TX).
Issue: Charged fees or interest you didn't expect

Complaint: My name is XXXX XXXX. My daughter, who is my Power of Attorney ( POA ), will assist me with explaining the complaint. <P/>My name is XXXX XXXX, POA for XXXX XXXX. My mother suffers from multiple XXXX XXXX, XXXX and XXXX being the most severe and is unable to make decisions for herself. This company sent my mother a check through the mail. She cashed it not realizing that it would turn into a loan she would need to repay. She hid this information from me and struggled to pay the debt off because she 's under a set low income from social security and her XXXX. I contacted the company and sent them a power of attorney so that I could be given information regarding the account. I did let them know she was XXXX XXXX to understand what she had done. They said she did n't " act or seem '' mentally incompetent. I paid the balance with my own money on X/X/2017 for ( XXXX ) because my mother would never be able to pay off the debt herself and I did n't want them harassing her because of her XXXX XXXX. I also did n't want the interest to accrue while I tried to resolve the debt. I contacted them today XXXX to get the history of how she was able to obtain a loan through them and to get past payment information. I also wanted to know how much she actually was given without miscellaneous charges i.e. finance charge, late fees, and returned checks. XXXX stated she would n't release any information without going through the legal department. She verified that she did receive a check through the mail and stated that 90.90 % interest was legal. She refused to give me their OCCC license number. She could not give me a timeline on when the legal department would contact me or how I could get a hold of them. She also hung up on me. <P/>Company Information : Continental Credit XXXX XXXX XXXX XXXX, Texas 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 03/18/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: For employment purposes I was directed to experian to receive a credit report to confirm my identity. For the past 5 weeks I have attempted to do this with them via online, phone, and mailing in physical copies of my own personal documents. To date, they have been unable to provide me a credit report. I have emailed them regarding this about 3 weeks ago - no response. Called them numerous times speaking with multiple customer service reps including XXXX supervisors - still have n't gotten anywhere. When speaking with them they direct me through the same steps every time as if reading a script and none of them has been able to actually help me with this process. The kicker? Went to transunion tonight and got my report in 5 minutes. Unfortunately my employer has a contract with experian so my report must come from them.

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 09/26/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I currently have my student loans consolidated through XXXX after I graduated in XX/XX/XXXX. I have been making my payments directly to XXXX and missed one payment in late XXXX when an auto-payment failed to clear. The problem was corrected as soon as I found out, and I have not had an outstanding debt since.XX/XX/XXXX, ECMC called my work phone claiming they work with XXXX XXXX XXXX XXXX. I attended XXXX during the XX/XX/XXXX-XX/XX/XXXX school year and had since moved on. They mentioned the missed payment and that I had an outstanding balance. I checked with XXXX and there are no outstanding balances. I also checked with XXXX and was confirmed to have outstanding debts with the school. I explained to the woman from XXXX that I had no outstanding balances, and she began to launch into a spiel about how XXXX is contracted with XXXX to offer financial guidance. I declined and informed them not to contact me again. Today, XX/XX/XXXX, I was contacted again by XXXX claiming to be calling on behalf of XXXX and that they had previously helped me with financial management. I informed them forcefully they had never helped me, I had never requested their help, and that I did not appreciate them calling my work phone if there are no outstanding monetary issues to discuss. 

I am reporting about ECMC 's tactics because I do not know how they received my work phone number. I was not employed with my current employer when I attended XXXX. If they are calling on behalf of XXXX, that is one thing, but they instead called detailing outdated information regarding XXXX. 

I will be following up with Navient, and I expect XXXX will be calling my work phone again trying to peddle " financial help '' where clearly none is required.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I had a XXXX cell phone account in XX/XX/XXXX. I moved in XX/XX/XXXX to a different address in the same state. I did not know that I had a residual balance on my account of XXXX cents. Pinnacle Credit Services , LLC reported this account to both credit reporting agencies 2 months ago and this account is showing up on my credit report as a open collection. I tried to resolve this through XXXX XXXX disputing services to no avail. I did not contact this company or make any payments to a collection company on this account. I received a letter from Pinnacle Credit Services which I am attaching in which they admit and I quote that " Because of the age of your debt, Pinnacle Credit Services , LLC will not sue you for it, and Pinnacle Credit Services will not report it to any credit reporting agency. '' They already did that 2 months ago! So they are still asking me for money and if I do pay it will be on my credit report as a closed collection for another 7 years! I would appreciate any help before I seek legal counsel. I am trying to buy a house and will not qualify for a bank loan with this on my credit report. Their dishonesty is costing me a home loan.

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 DISCOVER BANK (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: My Discover card company filed a dispute chargeback in XX/XX/XXXX. There was fraudulent activity on my account and the issue was resolved in my favor however the chargeback was reported to all the credit bureaus and my score dropped 40 points as a result thereof. 

I called Discover card immediately upon finding this out in XX/XX/XXXX. Discover said that they sent a letter requesting for that to be removed to all 3 credit bureaus. I see that my score is still not reflecting this correction. 

How do I get this removed? Discover has sent another letter today and said all three bureaus should be receiving it within 24 hours. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I had a XXXX XXXX in XXXX and deemed XXXX in XX/XX/XXXXas a result of XXXX and XXXX. In XXXX of XXXX my then wife arranged to re-finance our home as we were falling behind financially due to my XXXX, she was given a loan in the amount of {$280000.00}. for a home valued at {$250000.00}. It was not until XXXX that I became aware of the re-finance which resulted in our divorce. 
The problem I have it that my wife was not working and had not worked prior to this re-finance and had no viable of repaying the loan, the home is currently in the process of foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: I took this loan out to go to school. The school ended up closing.. credits not acceptable anywhere. They lied and told me they would find me a job nothing. Now Im trying to go back to school to get my XXXX and I cant because of this debt. Its for XXXX charged off on my credit report and I still cant use the certificate they lied to me about getting at XXXX. I need to go back to school.. I need this off my credit report. They keep sending it to different collection agencies..Please help. From 2008..

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Account opening, closing, or management

Complaint: I closed my Capital One 360 savings account because Capital One cancelled my XXXX credit cards without any notice. I now get advertisements over the email for Capital One 360. I want them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have contacted Navient about consolidating my loans early because they were showing not in deferment before I start payments in XXXX 2017. I asked about what possible payment arrangements can be arranged and I was refused information about my loans. Then they have multiple inquiries for the same day for the XXXX different amounts which is really hurting my credit score with the credit bureaus. I have requested documentation to show mortgage lenders to purchase my first home but never obtained it from Navient. They are insufficient when it comes to providing the lenders with the appropriate documentation that is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX Not my account Fraud account identity theft

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 03-05-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Payoff process

Complaint: I sent Macy 's XXXX letter an they are refusing to remove my account from all three major credit bureau after receive my payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with Pacific Union Financial, LLC (IN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX of 2017 Pacific Union Financial spoke with a party who was not on my loan. They gave loan information and attempted to secure a loan for the person NOT on the current mortgage. I received a quick claim deed via overnight mail for me to sign in order for the home to be deeded in the other person 's name so they could secure the loan. At NO TIME did Pacific Financial attempt to contact me for permission or verification. The first contact I had from them was the quick claim deed. Obviously I did not sign the quick claim deed. Had I signed the quick claim deed the property would 've legally belonged to the other party with me still being responsible for the mortgage. Had the other party not been able to secure the loan I would be financially responsible for a home I had no legal rights to. 
I have since decided to sell my home and am in the process of doing so. I have repeatedly asked for my payoff documents. They have assured me they would be sent by close of day on multiple occasions. They have not sent them. They spoke with the title company who also requested the documents and assured them they would be sent. They were never sent. I then requested to speak with a supervisor I was told there was n't one available. I advised them I was going to file a complaint. After that phone call the title company again tried to get the documents at which time they advised them they could not talk to them because there was not an authorization on file. Interesting that they had NO problem disclosing my Mortgage information to anyone prior to me stating I was going to file a complaint. 
My mortgage was in good standing, I have NEVER missed a payment nor have I ever been late. 

I have email documents showing communication, as well as the quick claim deed that was sent. I am unable to send them from my phone ; however I can provide them when requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (HI).
Issue: Loan servicing, payments, escrow account

Complaint: I had a fire loss to my property last year in XXXX. My insurance company came out and inspected the damage and estimated the cost of repairs. I found a contractor who also submitted a cost estimate to complete repairs along with a payment schedule. This proposal was accepted by both myself and my insurance company and the insurance company cut a check for repairs. The check was made out to my husband, myself, and my mortgage company. So far, we 've had 1 inspection that indicates that 50 % of the work has been completed. My mortgage company 's loss draft department is now not following the contract, and has so far released 50 % of the funds but has not been willing to dispense more funds to continue working. My contractor has written that without more funds sent we will be in breach of the contract and he will walk from the job. I 've spoken with the mortgage company numerous times at this point. They insist that another inspection needs to be done to send more money, and I have ordered another inspection in the hopes that we can continue to move forward with my home repairs. However, each time I call Planet Home Lending they have no records of an inspection having been ordered and I am told that I must speak with my processor. Yet my processor is always either on the phone or not in the office and I 'm told that they will call me back. No one has called me yet and when I call I continue to get no answers.

Company response to consumer: Closed
Consumer complaint received 09/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am in Chapter XXXX and trying to modify loan with Wells Fargo, I am getting stonewalled, passed from XXXX point of contact to another, told the procees must begin again and again, and asked for obscure documents to file the modification.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (I do not know) with BTH Management (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Plaza Services is currently adversely reporting on my XXXX credit report. According to the correspondence received from them the original creditor is XXXX XXXX XXXX. I do not know this company nor how I could possibly owe them money. I do my business at the bank as I have for many, many years. I have asked them twice to validate the debt by showing proof of how I owe it. And a contract with my signature among other information that would help me validate the date. Each time they send me a new bill with my name and an amount stating they purchased the {$310.00} debt from XXXX XXXX XXXX. I can not keep going round and round with them to no avail. 

I have also requested information from XXXX asking what methods they used to validate that the debt is actually mine before negatively reporting it. In response, I get a generic " verified '' and that is just not sufficient. I have no problem paying debts I owe. But I can not and will not just have someone mail me something and say in essence, " pay this '' and I just do it. My personal finances are not set up that way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XX/XX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX. without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our FICO score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance

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 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: To whom it may concern : This letter is being sent to you in response to the above reference account that LINEBARGER GOGGAN BLAIR & SAMPSON , LLP, has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED. 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED. 
Identify the original creditor- HAS NOT BEEN PROVIDED Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 
At this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against LINEBARGER GOGGAN BLAIR & SAMPSON , LLP, for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation