milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: EXPERIAN AND XXXX  IS REPORTING AUTHORIZED INQUIRES ON MY CREDIT REPORT.
 THE COMPANIES FROM EXPERIAN ARE: 
XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX, UT XXXX
(XXXX) XXXX
XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 
(XXXX) XXXX XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX XXXX XXXX XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX 
XXXX XXXX XXXX
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
(XXXX) XXXX XXXX XXXX XXXX 
XX/XX/XXXX
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX (XXXX) XXXX   THE COMPANIES FROM XXXX  ARE:

XXXX
Inquiry from XX/XX/XXXX
+
XXXX XXXX Inquiry from XX/XX/XXXX
+
XXXX XXXX Info
Inquiry from XX/XX/XXXX
+
Misc.
XXXX
Inquiry from XX/XX/XXXX
+
Bank XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
+
Bank

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 05/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Customer service / Customer relations

Complaint: I am unable to actually pay my bill, or my balance on the card that I have with Capital One. I got this card XX/XX/XXXX, and I have had several issues regarding Customer Service. As well as with the Fraud Department. I have verified everything I have ever needed to verify. As well as went back and forth between the corporate people at Capital One, and the Fraud Department. I have had to stop payments from going through to their company, because they absolutely refuse to offer a solution for this issue, or any of the other MAJOR issues I have had with this company. I can no longer speak to the corporate office, because they tell me my issue is a, " Fraud Issue ''. This situation has been going on for months, with no end in sight. My account is currently restricted, and the reason/reasons it is currently restricted ( even though proof has been given, as well as many phone calls have been made by my bank to this company ) they are not willing to budge in any way. Even after doing what was asked. I am always told a different story, and I am always connected from corporate to the Fraud Department. I have had nothing but issues with this company, and this card since I opened it. I get plenty of notifications that my bill is due, but why pay the bill when Capital One does n't even know what they are doing? As well as moving me back and forth between rude, and disrespectful people. They have caused nothing but hurdles for me. With NO-WAY to take care of these issues. All I end up with after I have spent almost 2-3 hours on the phone with these people is a pathetic apology. I need to speak with someone that can handle these issues without me being transferred all over the place. I refuse to speak to any more rude/disrespectful Customer Service OR Fraud Department people at Capital One. The past few conversations I have had with Capital One I have had people laugh at me in a mean way. I 've also had people yell at me, along with insult me. I have made several attempts, ( So has my bank ) to clear these issues up.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VA).
Issue: Account opening, closing, or management

Complaint: PayPal closed my account due to me disputing transactions I did not authorize. They even closed my friend account because he was allowing me to use his account. They will not let me re-open it at all or create another account even after I verify my identity and verify I did not authorize those transactions. I have tried reaching out to higher departments but it is all the same no one will help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX removed information from my credit report on or around XXXX XXXX but when I checked my credit report on XXXX XXXX, I noticed that they had reinserted deleted information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (DE).
Issue: Loan modification,collection,foreclosure

Complaint: Good day, briefly ; I experienced financial difficulty complicated by my father 's illness and eventual death in XX/XX/2015 causing me to fall behind on my mortgage. In XX/XX/2015 I went to make a payment and they refused to except it. I requested a loan modification and was denied due to the incompetence of my home preservation specialist. I requested and was granted a new representative who helped with my appeal. My appeal was denied. I sought help from a HUD approved agency as well as consultation from the DOJ and made a verbal agreement with my home preservation specialist ( contact at the mortgage company ) to make double payments until such time as a formal payment arrangement could be made. My first double payment was made XX/XX/XXXX, it was returned in a check a month later just as I was about to make my second payment with a letter stating I was in active foreclosure. A phone call to the DOJ concluded I was not in active foreclosure so I returned to seek help from the HUD approved agency. Several attempts have been made to give the mortgage company a lump payment, approximately half the amount past due with intent to catch-up making multiple payments yet they refuse to accept.

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 03-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/XXXX, my ex boyfriend, took a school loan for truck career driving and he needed a co-signer. I refused and he asked me to speak with the career trainer at the school. I spoke with him and again told him no. The following week, my ex, told me that he was approved for the loan and going to school. I asked him how did he manage to do this without a co-signer and he said that the school didnt need me to sign anything that they would use my name as a reference only. I did not know that my ex, the father of my XXXX children, had literally lied and forged my name. He knew my name, dob, address, place of employment and social security number. 
Well, the first year of this loan ( he used my address for his mailing correspondence ), he stated he only had to make XXXX payments per month. He would ask me to make the payment by mail for him and he paid me back. Well, the second year came around and now he was receiving mail constantly from Sallie Mae and then I started to receive phone calls at my residence and they were asking for me, I couldnt believe it. I picked up the phone to find out that I was the co-signer. I tried to explain and they wouldnt hear it. I found out he was seriously past due and that they were gon na take me to court for garnishment because of course they cant find him and no place of employment. Thats because he is XXXX and even the IRS is looking for him for fraudelant tax returns for XXXX XXXX. Georgia dept of revenue is looking for him as well. I have been making the payments of XXXX a month for last 5 years and still owe XXXX dollars. I have had my place of employment for 15 years and my home for 12 years and they come after me because he is gone. He has fled to XXXX XXXX and refuses to help me with this nightmare. It isnt on his credit report as bad debt it is on mine and will remain till XXXX. Are u serious??? Please help me with this. I have tried to talk to them about this being a fraud and they just blew me off. Because of him being late and not paying, the amount due today, which is 8 years later, is the amount of original loan. I will not be done till XXXX and I feel that Sallie Mae or XXXX, isnt gon na help me at all. I have asked them for loan documents and they state I can get online, but when I double click on the loan documents there isnt anything there. I have never seen the loan documents only the invoices. I was told I am screwed because of cosigning, but i didnt cosign this loan. Also, my ex has told me that the school is no longer open, went under. I dont know the name of the school.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (GA).
Issue: Loan servicing, payments, escrow account

Complaint: After long hold times, I was able to make a payment by phone on XXXX/XXXX/2016 for my XXXX mortgage payment. I received a confirmation number for same-day payment. I saw the bank draft on XXXX/XXXX/2016 on my account. Statebridge credited my account on XXXX/XXXX/2016 and charged a late fee. My payment on XXXX/XXXX/2016 also included an additional amount towards the principal. This amount shows as " credit '' and as of XXXX/XXXX/2016 has not been applied to the principal. In summary, Statebridge charged a late fee even if the payment was not late ( I have a recording as proof ) as well as avoided to deduct the additional principal amount towards my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Hi, in XXXX of XXXX, I was looking to sell my house and purchase a new one. My loan officer said that I was behind on my mortgage payments on my second lien. I told her I did not have a second lien because I had refinanced my loans in years prior. I had not received a bill or even a phone call on the second lien since XXXX of XXXX ( around when I had refinanced ). I contacted Ocwen and they told me that I did still have a second lien and that they were sorry that I had not been contacted in 2 years and that they did not know why I had not been. The guy told me not to worry he was going to offer me a deal and that I could pay XXXX dollars and be cleared of my second lien. He said it was a new thing they could do after the housing crisis. I repeatedly asked him, " what 's the catch? '' He reassured me that there was no catch and that everything was going to be ok but I had to move fast before the offer expired. I sent the money and signed a notice that made no mention of this being a short sale. I thought a short sale was when the house was being sold. The letter did mention that I would have to claim it on my income tax and I did. Well, this was XXXX of XXXX. We sold the house in XXXX XXXX. I thought everything was fine and my husband and I decided to wait to buy a house. This summer we started the process of buying a house and that is when I found out that Ocwen was reporting this to the credit bureau which was showing it as a charge off ( short sale ). Now we can not buy a house until XXXX or XXXX. I had absolutely no idea that this is what the agreement meant. I feel like they were deceptive in their practices. In fact, they have been issued a judgement against them for similar issues. I asked the man several times if there was a catch and he kept saying no. The letter I signed did n't say anything about a short sale or that it would impact my credit like that. We made more than enough on the house to cover that second lien and I would never have agreed to these terms if they were explained in that way. I would have just paid it in full. I also do not understand how a mortgage company can stop sending bills in XXXX and never call or let me know I was behind. This company would call if you were paying on the XXXX of the month so when I did not receive any bills or phone calls, I figured that the loans were consolidated in my refinance. I do not think it is fair or non deceptive to tell a client that they only have to pay a certain amount and not inform them of the credit repercussions. I had no idea. I as the consumer depend on the lender to be open and forthcoming because they do this everyday. This is my first house and I just trusted them. This house was paid for under the terms they offered me and was sold free and clear so there was no way that I would know that a year later, I would be facing this problem of not being able to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Other mortgage) with Poser Investments, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Poser Investments filed Notice of Default WITHOUT notifying us & forcing to Foreclose on our only & primary home. Poser violates our homeowner rights by harassing us with mails from vendors of Foreclosure Threats. Poser is scheduled to Foreclose on our home on XXXX XXXX, XXXX. Our family is a one paycheck household and XXXX family members are XXXX. We have XXXX school age children and our family is suffering from severe financial hardship. Our home loan was modified in XXXX and we have no knowledge of this outstanding loan from Poser

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Trouble during payment process

Complaint: XXXX was my loan servicer and it is now Mr. Cooper. The official Notice of Servicing Transfer letter is dated XX/XX/2017. It indicates the servicing of our mortgage loan ( no dollar amount was listed on the Notice of Servicing Transfer ) was being transferred effective XX/XX/2017. I have a copy of this letter. 

I have read in The XXXX XXXX online that : " ... [ Y ] our old and new servicers must notify you about the transfer of your servicing rights no less than 15 days before the effective date of transfer. If you never received the servicing transfer notice, you can also file a complaint with the CFPB online. '' In our case we did receive notice, but a week or so AFTER it occurred. In my opinion this does not conform to federal regulatory requirements governing the transfer of mortgage loan services from one business to another as I have read and understood them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Consumer Loan (Installment loan) with Risecredit, LLC (CA).
Issue: Managing the loan or lease

Complaint: I needed monies for vacation and applied for what I thought was a simple {$2600.00} loan from a Company that claimed to help those with less than perfect credit a way to reestablish their credit through taking a loan out with their company. Apparently I did not understand their requirements for payback as they are charging me over {$6000.00} interest on a simple loan for only {$2600.00} ... ..they charge me approx. {$500.00} every month and they will continue to charge me for XXXX payments. I took out the loan XX/XX/XXXX and the payments are scheduled thru XX/XX/XXXX. In total I will have payed back {$8.00}, XXXX ... .this is extreme and I have been told by many of my friends and family that this is illegal and that I should not pay it. Please help me straighten out this mess I have gotten myself into..i did not forsee such an impact on my monthly income for so long ... ..that {$500.00} is supposed to be the monies I have left over after bills and survive/live on after all my other bills. They have access to my bank account and they automatically take it out every month on the XXXX. I do not know how to stop this maddness. How can they charge me over {$8000.00} for a {$2600.00} loan? Is this legal? I 've been told by many to stop the payments, switch my banking institute, deny them access to my account ... ... just simply NOT to pay it. I just wanted a simple pay back with reasonable interest short term loan and now I 'm stuck with this overzealous monthly payment and it 's scheduled " according to their pay schedule '' to go on thru XX/XX/XXXX-that 's a month shy of two years to pay back a simple loan of less than $ 3,000-for over {$8.00}, 600 ... ..something 's not right ... ... it 's not fair and it should n't be legal. Of the near {$500.00} payment each month, a mere {$62.00} goes toward the principal balance ... ... ..ridiculous .... Please advise. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage statement from the last two months has reflected about a 50 % increase to my pmi. I sent in several requests to get an answer from my mortgage servicer, without a sufficient answer. My mortgage was modified in XXXX of 2014, and the balance owed was decreased was from about {$310000.00} ( original loan amount ) to abouty {$210000.00}. We currently owe about XXXX. Our PMI has been {$210.00} from when we originally opened it until my XXXX statement. That statement reflected the increase to {$310.00}. I called Nationstar 's customer service and they told me that it was increased due to the modification and my outstanding balance increasing. This is obviously not true.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is flagrantly violating federal and state consumer protection laws. I have been paying {$250.00} per month for more than a year to XXXX through their abusive debt collector that they hired to collect on their debt Financial Asset Management Systems. XXXX has illegally manipulated their reporting of the debt to XXXX by not identifying the repayment plan that I have participated in for the past year at {$250.00} per month, and a 0.01 % interest. XXXX has modified their reporting to XXXX for my account t to make it appear like I have n't been paying for the past year as they had stated in writing they would. In addition, XXXX is now reporting the accounts as in collections on my credit report which they had n't done before and was in retaliation to the complaints I have filed against them and their debt collector Financial Asset Management Systems. The only reason to report the accounts in collections now was to try to hurt my credit report even further. Even though I have been paying for over a year and even though they have broken federal and state consumer protection laws many times. In addition, they have added unconscionable fees and interest to my accounts to which they have never fully accounted for. XXXX is engaging in violations of state and federal consumer protection laws.

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 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was a XXXX XXXX customer between XXXX XXXX and XXXX XXXX. In XXXX XXXX, I discontinued my FIOS service. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my FIOS service. I asked my bank, Chase XXXX XXXX XXXX, to mediate the dispute. After contacting both sides, Chase issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the Chase XXXX decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after Chase XXXX resolved the mediation in my favor. XXXX referred this debt to a collection agency, Chase Receivables. Chase Receivables continues to come after me for this debt, despite the fact that I have explained in writing why this debt is invalid. Furthermore, this alleged debt continues to be a black mark on my otherwise good credit report. 

I have contacted the XXXX Reporting Agency, XXXX, but they refused to remove the offending item from my credit report without offering any explanation. 

I am contacting the CFPB for their assistance in mediating this issue with Chase Receivables and to help remove this black mark from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: Santander Consumer USA have reported inaccurate 30 days late payment on XXXX & XXXX for total of 5 times, I 've tried contacting them to solve this issue and got no response back or positive results, and now since the account is paid off in full I ca n't get through to them and so I contacted the credit bureaus but they keep on tossing me back to Santander, so PLEASE help me to solve this issue. 

the 30 days late payments reported are : XXXX of XXXX, XXXX and XXXX of XXXX. 
please help me to fix this inaccurate information as it 's hurting me financially and mentally XXXX me through my regular every day life.

Company response to consumer: Closed with explanation