milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2016 about Consumer Loan (Vehicle loan) with Reliable Credit Association, Inc. (WA).
Issue: Managing the loan or lease

Complaint: Reliable Credit falsely submitted an application using my personal information without my permission on XX/XX/2016. I did not authorized anyone employed by their company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Opened a XXXX XXXX back in XXXX. In XXXX of XXXX I was away and extended my visit on a whim, so I that month 's payment was late. I have NEVER had a late or missed payment prior or since this XXXX time. XXXX 's is reporting this as a missed payment and it is showing up as a negative account on my credit report. I have talked to a few XXXX 's reps and all said that would be no problem to remove this XXXX item off my credit report, only to put me on hold and come to state that they can not do anything about this. All have said that they see my perfect payment history for the last 6-years, and agreed that this is ridiculous. XXXX reps said the company does n't care to help customers out when it comes to even a one-time mistake because it allows them to charge a higher IR % rate. This mark is screwing up my credit score BIG TIME and I had ID theft in XXXX and so I had to start from scratch again with XXXX credit. This is the only negative blip on my CR report and since I have been consistent for years and years with XXXX, I think they should give my a XXXX time courtesy and remove this. It has already been on my CR for four years. Also, the message center for card holders of XXXX is a joke. I Have writeen them XXXX times and keep getting emails that a reponse is in my inbox but when I go log in it says there is tech errors for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (NV).
Issue: Can't contact lender

Complaint: Cash Central Pay Day Lenders obtained a Hard Inquire from XXXX XXXX XXXX which had damaged my credit scores and had damaged my financial needs to obtain a loan from other financial lenders. Cash Central informed me on XXXX/XXXX/2015 that although my credit score from XXXX ( XXXX ) is good my application is not accepted for a short term loan. Previously, Cash Central stated that they NEVER obtained a Credit Score directly from XXXX but records found in my credit reports indicates that Cash Central obtained a Hard Inquire from XXXX XXXX , XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Account opening, closing, or management

Complaint: Consumer Finance, I contacted Navy Federal Credit Union ( NFCU ) on XX/XX/2017 to reactivate an old savings account over the phone. During that time on the phone with NFCU at NO time was I informed or authorized anyone to hard pull my credit. On XX/XX/2017 I was then notified by my Credit monitors XXXX, and XXXX that NFCU pulled a hard pull of my credit w/ out my authorization. I contacted NFCU customer service regarding this and they suggested I file a dispute with XXXX to fix the issue. I contacted both XXXX, XXXX, and XXXX to dispute this incident due to the fact I did not give permission for this pull or was I neither informed by NFCU it was going to be pulled. XXXX provided me with instructions to dispute NFCU 's mistake ; I contacted NFCU the same day to start the dispute process. All NFCU needs to do is to provide a letter. To be exact a Deletion Letter for Inquiry. Then I am required to mail said letter myself to XXXX along with a Cover Letter, and my XXXX File # XXXX. TransUnion will then be able to delete NFCU 's unauthorized mistake from my credit. Unfortunately, NFCU will not provide me with such letter after many attempts requesting it. I even suggested NFCU to call me so I could conference them in with XXXX so they could repeat the process to NFCU to fix the issue NFCU created. Consumer Finance thank you for taking the time to look over my issue and helping to resolve it. Respectfully, 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 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: I placed a freeze on my credit with all 4 credit reporting agencies. 
I paid each credit reporting agency at the time of placing the freeze. 
I am in the process of moving and have to open a new bank account. 
Transunion is trying to make me pay to temporarily lift the freeze I placed. 
I should n't be punished for proactively trying to avoid being a victim of identity theft- I already paid for the privilege of attempting to protect my credit information and should not have to pay again, and again, and again.

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 08/22/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I continue to seek an equitable solution from my lender, XXXX XXXX to resume making mortgage payments. The California Homeowner 's Bill of Rights states that a homeowner has a right to know who their lender is, and to be able to make contact with them. The recorded message at XXXX XXXX XXXX states, " Hello, if you are calling because the owner of your loan, please listen to the following message. The servicer of your loan is required to provide you with this telephone number under new regulations. The servicer of your loan was given the authority by the owner of the loan to make all decisions concerning the terms of you loan. The servicer is the only party who can make these decisions including whether to modify your loan, and you should contact them if you have not done so already. If you are in contact with your servicer, please continue to seek guidance from them .... '' The servicer of the loan, Shellpoint Mortgage Servicing, continues to say that XXXX XXXX makes all the decisions. In Shellpoint 's literature under the title of " Need Mortgage Help, '' it states " Our mission is simple : We 'll do everything we can do to keep you in your home. Our philosophy is : let 's work together to find the right solution that works for you. '' Among the loss mitigation options are 1. an interest only loan with a balloon, 2. missed payments and penalties put on the back end, 3. Forbearance, 4. Loan Modification, among other options. A recent  conversation with them revealed that they do not offer any of those except for a modification or short sale. The modification available reduces the mortgage by a few hundred dollars. Given this, I retained the services of XXXX XXXX, an attorney at XXXX XXXX to assist me in communicating with the owner of the loan. I will refer back to XXXX. A previous CFPB complaint I filed revealed this : " ... the servicer informed you that the investor of the loan ( is ) The XXXX XXXX XXXX XXXX XXXX as Trustee on behalf of XXXX, XXXX, Alternative Loan XXXX. Please note that the XXXX XXXX XXXX XXXX XXXX is the trustee, an independent party responsible for administering the trust for the benefit of investors. The trustee is the owner of the mortgage solely for the benefit of the investors, who are the true beneficial owners of the mortgage. '' The XXXX has never responded to XXXX XXXX or to me. Shellpoint did respond to XXXX XXXX 's letter by stating that ( in effect ) the guidelines for my loan or modifications thereof, are " the guidelines set forth by the Consumer Finance Protection Bureau. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX filed a Tax Lien, which was originally sent to old address. Recently it was forwarded to my new addressed via USPS. I immediately called XXXX XXXX Tax collector and paid the tax lien the day I was notified and requested they update address as I was not receiving tax bill. The representative I spoke with confirmed they had old addressed and would be sending out new docs with correct address, which I completed. He also confirmed that they did not report this to my credit, as account is now paid in full ( Removed tax lien ). However, this is showing up as public record/tax lien on my credit reports. Tax collector advise to dispute with credit reporting as they are not reporting it. I am disputing this as account is paid, and tax lien should be removed as it in not accurate information reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: In 2012 my husband and I went into his WFargo branch to cash a {$50.00} check made out to both of us. I was not on his account. Although we were both present and had I.d., we were told we could not cash a check made out in both of our names. We were taken to new accounts and told we had to open a joint checking account. A savings account was open at the same time ( that we did not want our ask for ). The new accounts rep bragged about openings XXXX accounts that week. Thereafter I received a late fee notice that I had not paid my Wells Fargo credit card invoice. I have had this card for 20+ years and always pay off the balance each month. After the branch opened the joint checking/savings account they stopped mailing my statements. I was told they were mailing the statements online. I do not bank online because of threat of hackers, etc. It literally took hours on the telephone, trips to the branch and paying interest on a balance due. I was so angry at the new accounts rep that I wanted to strangle him ... .all for a measly {$50.00} check that we could have cashed at XXXX branch. I am no fan of Wells Fargo. They lost my trust!

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 09/28/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We had taken out loan with Wachovia and then Wells Fargo took over account. At the end of the time we thought we should have paid off our loan we learned they had attached a insurance coverage of our house in case we somehow did not have it covered. In the end they waved the fees and the several dollars but I thought it was very sneaky in what they were doing. Some if they had not invested the situation would continue paying twice for insurance on their house because they house loan was not paid off.

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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: There was a data breach at Equifax and my personal financial data was accessed. Please investigate this egregious act of ommission on the part of Equifax. I understand I wasn't the only one impacted Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: convergent outsourcing sent me a bill for a past due amount of XXXX for a XXXX account # XXXX and offered me a settlement for XXXX I email them and told them I was disputing the account as I have not had a XXXX account in over five years also I called them and told them to crease contracting me as XXXX cancel my services because their cell phone was not working and I sent the cell phone back to them

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with Checkr, Inc (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Checkr, Inc. 
XXXX, CA XXXX XXXX is reporting outdated information. The information reported to the potential employer is more than XXXX years old and may bar me from getting hired.

Company response to consumer: Closed
Consumer complaint received 10-11-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX a long time ago and cancelled my account with them, returned everything that they asked for and then paid my balance. Now years later a collection has just come onto my credit report for something that has already been paid

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent letters to XXXX  and Experian about a public record they are reporting. I would like to know the method of verification I have sent several letters requesting this and they have not provided this. I have contacted the court at the address listed on the reports and was notified that they do not verify any accounts with any 3rd parties. Please remove these unverified accounts from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy

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 02-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My son has a student loan from Navient with me as consigned. I have payments directly deducted from my bank account. Although they have been taking out payments each month since, all were considered late and I just realized it. I spoke to XXXX on the phone who said the payment due was XXXX. I wanted to pay XXXX $ and have the extra applied to the principle. XXXX said the extra would only be applied to XXXX payment not the principle. XXXX said there was no way she could take any moneys to be applied to the principle. She did not know who to direct me to for inquiries about how to make payments to reduce the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with DISCOVER BANK (KY).
Issue: Transaction issue

Complaint: I am writing to your agency because I am very upset the way my credit card company ( Discover ) handled my claim. I disputed the charges of {$3000.00} made by this fraudulent company called XXXX on my card on XX/XX/2016 and also XXXX charges of {$190.00} charged by XXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016 These companies called me and were very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Discover denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: I should have been advised that because an additional payment was made during  XXXX  the  XXXX  payment would not be deducted, despite interest accruing and that it will negatively impact my credit report, regardless of being ahead by almost 20 % on payments.     As a result my credit scores have each suffered by approx.  XXXX  points. This will impact me on multiple levels for years.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   2017 ,  XXXX  formally  XXXX   XXXX  reported incorrect information to all   XXXX   credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After checking my credit report, i noticed that Diversified is reporting that i owe money on a bill that is not mine. This is incorrectly reported and needs to be removed immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Late fee

Complaint: Capital One charged me a {$25.00} late fee on the same day my payment was due. How can this be ethical? If this is allowed to continue I will be assessed late fees each month my payment is n't submitted by XXXX on the due date. Again appears to be an unethical money scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Mortgage debt) with SN SERVICING CORPORATION (NY).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, SN Servicing, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a XXXX I had already surrendered the property to the previous servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc 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 02/22/2018 about Debt collection (Medical debt) with RS Clark and Associates, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have spoken to this collections department 3 times and explained what I am able to pay on a past due medical bill, but they continue to call and leave messages almost every day. I made a payment to them on XX/XX/XXXX and will make the next payment on XX/XX/XXXX. 

I WANT THIS AGENCY TO STOP CALLING ME AT ONCE! 

RS Clark & Associates, Inc. 
XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Midland Funding LLC has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

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 04/14/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A fraudulent credit inquiry was made on XXXX by an individual through XXXX. I contacted XXXX XXXX to report the unauthorized use. I received confirmation that it was in fact fraudulent though it remains on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have contacted Experian on several occasions by phone for assistance at XXXX XXXX XXXX XXXX and through their website to dispute several inquiries that appear on my credit report I did not initiate or authorize. Furthermore I have asked Experian to contact each of this companies to request proof of me requesting credit or completing credit application. I would like for all inquiries highlighted on attached credit report to be removed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep calling me and asking for someone else. Wrong number?

Company response to consumer: Closed with explanation