milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: I pay additional to the principal every month and every month my Ditech/ Green Tree mortgage company places my principal payment in either in applied funds or insurance or escrow. The most current unresolved problem is my XXXX 2017 payment. I paid the entire payment plus {$250.00} to principal. On XXXX-2017 it stated we owed {$250.00}. for the XX/XX/XXXX payment -they said they were aware of the problem when I called and were in the process of fixing it. The fix was now it says we owe {$1000.00}. I have called and emailed to no avail-not once in the over 3 years have they processed this mortgage correctly. Please help!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am and have been a XXXX XXXX XXXX XXXX XXXX veteran of the XXXX XXXX. Navient, the holders of my loan did not inform me I had the right to have it forgiven under the federal XXXX XXXX XXXX XXXX discharge program. When I informed them of the situation they up it under forbearance, then when that time was up they attempted to charge me, then extended it again for three months. I just now found the CFPB is filing suit for this practice. Please have this information removed from all three of my reports until the findings are satisfied. My account number with Navient is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I had previously filed a complaint against Flagstar Bank back in 2014. You should have that complaint on file. Since that time we have gotten no where with the bank. The home was vacated in 2014, we tried to do a cash for keys, a deed in lieu of foreclosure, and a short sale. No one from the bank would answer me, the realtor selling the home or our attorney. We had XXXX offer and the bank would not respond. They just continued asking over and over for the same documents. Once they were sent they would wait a few months and then say they needed new ones or claim they were never relieved. These documents were sent by myself and the realtor. All to no avail. I see a settlement was reached with Flagstar but I see no difference in their mortgage servicing practices. They give me a phone number, but no one answers that phone, you leave a message and no one ever returns your calls. Then every six months or so they send me a new letter and claim they are closing their file because I did not provide them with the information they requested. This is just not true, everything they ever asked for was sent. I also complained to the attorney general in the state of MI, but they referred me to your office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (I do not know) with Mediation Recovery Center (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received this notification and I have no idea who this company is. It states original creditor is XXXX. My last contact with XXXX was XX/XX/XXXX. I was receiving calls from an unknown caller and I blocked the number because of repeated calls. I received a message via voicemail and the caller stated that this call is for XXXX ( which is my name ). When stating his/her name and the name of the company the voice sound was muzzled and incomprehensible. I do n't owe this company and my attempt to notify them in writing ( with return receipt ) will be unsuccessful because they did n't provide me with a physical address - they provided a P.O. Box. Please help me if you can. Thank you in advance and I look forward to hearing from you. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/18/2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Closing/Cancelling account

Complaint: Synchrony Financial closed my credit card account due to long term inactivity without providing me any notification that the account would be closed. I understand that those are within the terms of the account. What I do n't understand is why Synchrony does n't seem to care that this is a very frustrating experience for me as their client. I wanted to use this card but was unable to find it, so I called the service number on XX/XX/2016 to report it as lost. The system stated to me that my account was closed on XX/XX/2016 due to long term inactivity. The first person I spoke with said that it would be impossible to reopen the account. I also spoke with an escalation specialist who stated to me that the typical duration of " long term inactivity '' was 24-36 months, and that my account was inactive for 12 months. When I pointed out that this was inconsistent, she changed and said that 12 months also would be considered long term inactivity. She said that no person within the entire company has the ability to reopen my account. 

I understand that Sychrony Financial mitigates risk by closing inactive accounts. I also understand that within the terms that I agreed to when I opened the account, Synchrony Financial reserves the right to close the account anytime without notice. My complaint is that this provides for a horrible customer experience. Does n't Synchrony Financialwant my business? Apparently not. Although I did not use the account for a full year, I planned to use the account when it was financially reasonable to do so. Is n't that the type of customer that Synchrony Bank wants? A financially responsible customer who will use the card and provide payment processing revenue to the bank without eating away revenue with unpaid principal balances? Synchrony Financial would a least do well to notify their customers that their accounts will be closed. Of course they do n't have to according to the terms and conditions. But why do n't they want to develop a good relationship or experience for the customers that they already have? 

I was invited to apply for a new account with Synchrony Financial. This is not an appropriate resolution in this case because it has been less than 45 days since my account was closed. I believe this to be a reasonable amount of time for my account to be eligible to be reopened. I wish to use is card to maintain my good credit, and I do n't want an inquiry on my credit to use an account that I already had. If Synchrony Financial had notified me that my account was in danger of closure due to inactivity, I would have used the card.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.

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 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an American Express platinum card. In XXXX, the card was closed. During every month a payment was made. I recently accessed my credit report and it shows to two reporting agencies that the account is delinquent. However, there are no past dues, no late fees, etc. The account is current per my statements. I have requested several times to American Express to help fix this to no avail. On XXXX XXXX, XXXX I spoke to American Express to get my account number as my credit report and the account number on the report do not match. I spoke to XXXX, ID # XXXX who said that American Express could not give me that number and would not give me that number. I have paid all bills open with American Express and should have the opportunity to get my own information to correct my own credit report. I request that the delinquent account status be removed and I be given all information about my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Credit decision / Underwriting

Complaint: Wells Fargo is refusing to drop PMI. In their response letter they stated, " A new appraisal will not be taken into consideration '' and " the original amortization schedule will be used. '' I feel this is unfair and deceptive. I was under the understanding that once my loan-to-value reached 78 % and or 5 years of on time mortgage payments I would qualify to have this extra charge removed. 

I have never missed a payment, nor been late. I have an impeccable history of payments and want help fighting the removal of PMI. 

To add, my loan is a FHA loan and refinancing is not an option at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (LA).
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: My name is XXXX XXXX. I have never been married and never have legally changed my name. I was born on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I submitted an official dispute with XXXX XXXX for reasons including possible fraud/i.d theft. I also sent the management company a letter asking to provide me with any proof or information that would help delete the incorrect info on my credit profile. XXXX XXXX or company have yet to resolve or provide any info regarding this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (NY).
Issue: Fraud or scam

Complaint: Purchased a XXXX XXXX XXXX from XXXX XXXX website - XXXX - for {$10000.00} and never received the vehicle. My sales manager was XXXX XXXX - XXXX|XXXX - I wire transferred the funds from my bank to a Well Fargo Account as per their instructions. When the transport company went to go pick-up the vehicle they advised the XXXX had damaged never advised so they made a decision to refuse the vehicle. I requested a refund and XXXX XXXX declined and advised " ... I agree to take a vehicle that matches my criteria. '' I worked feverishly with XXXX & another salesperson XXXX XXXX and secured a replacement vehicle. It was set for transport and this time XXXX advised XXXX was removed from my account based on agreeing to sell me a XXXX XXXX XXXX for less than the fair market value and requested an additional {$4500.00} for a total of {$14000.00} plus shipping. 
I am requesting a refund of the {$10000.00} I wire transferred as it seems they will continue to request more money on every vehicle I choose. I think this is a scam.

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 07/20/2017 about Mortgage (Other type of mortgage) with U.S. BANCORP (OH).
Issue: Closing on a mortgage

Complaint: in XXXX OF XXXX started looking for a building to put my life long dream of opening my own XXXX XXXX  my loan officer was XXXX XXXX worked very hard an on to get my loan closed after a lot of hard work my SBA ; loan was approved by XXXX XXXX on XX/XX/XXXX from us BANK. XXXX XXXX XXXX  Left the bank in early XXXX That 's when my troubles stared the building I was sold for cash. I had to restart the loan with SBA XXXX XXXX XXXX stated dragging his feet every time I give him paper work he all would ask for more ask for more he lie so many times I lost count : after working with him to close my loan : he came to my home sat at my table to go over my last loan papers he sad they ready to close : we had been working on them for about six months after all the late nights long hours he stated you ready but you just one more form to fill out ; two days later he called Stated we have some bad news back in XXXX you filed chapter XXXX but just write a letter tell them just what happen : he called the next day stated that they will not closing on my loan!!!!

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 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Naviant took my tax return this year and I never got a letter stating I was in default. Nor did I get a phone call. I called and they told me I 've been in default for 3 years yet this was the first they took my refund. I live at same address have same phone number and they claimed on XXXX XXXX I told them not to call. I did n't even get a phone call! They lie and make up stuff i asked the kid if he could get the recording of " my voice " and he said he could n't. They 're a huge scam and I 'm behind in rent they took all my back pay that I owe to my landlord and I 'm going to be evicted with my XXXX year old son.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a credit card charge off on my credit report that I have attempted to get validation through XXXX and XXXX and have not received anything. I sent a letter asking them to validate the debt they are stating is mine on the credit report. I wanted them to send me proof of the debt and who validated it or verified that it was my debt. I sent the letter to them on XX/XX/XXXX and the only thing I received from the two credit bureaus was that it was verified and that it was my debt. I never received anything with verification or validation of the debt. I do not remember having an account with Capital One in XXXX and I am willing to take a look at whatever it is they have to verify that it is my debt in order to pay the amount they have of {$1200.00}. I know through research that they have 30 days to validate the debt and send the information I requested, but it has been more than that and I never received a thing. I would like them to remove this debt off of my credit report since they did not do what the law states they should have done.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a debt reporting on my credit, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?

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 08/23/2017 about Vehicle loan or lease (Loan) with Merchants Automotive Group, Inc. (NH).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I had received a call from the credit company that I have my car loan from, which is through the car dealer directly. I had been 14 days late on my payment, which I had completely been aware of. I had missed the call due to being at work where it is nearly impossible to answer my personal phone. A voicemail had been left that the car had been XXXX due to the late payment and that the were sending a " repo '' man. Now mind you, I had not heard that voicemail until later in the day. With that said, I was in the middle of conducting an interview at work and receive an urgent call from office staff. They informed me that a " XXXX '' was here for me and I informed the staff that I was in the middle of an interview. I finished the interview and the front staff informed me that a " repo '' man, XXXX, was here and booted my car. How is this acceptable to send a repossession company to enter the place of employment to render a vehicle, and relinquish my personal information with employees in the office who are NOT aware of my financial situation. This not only reflects poorly on that dealership but more importantly defames my character in front of others. This is not only embarrassing but has caused me emotional and physical distress due to my private information being discussed with unauthorized persons. This is a clear violation of the Federal Trade Commission.

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 05-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had filed bankruptcy. I had asked to reaffirm my vehicle and so the lender stated that they never received paperwork asking for me to reaffirm my vehicle. So I went back and forth between the lender and my attorney to resolve this matter. By my attorney 's advice I was told to dispute it with the credit bureau so they could update the account to show open and active and my payment history. So I filed a dispute with Trans-Union and so on XXXX/XXXX/2015 they received my dispute. on XXXX/XXXX/2015 they came back and stated that my dispute was complete but instead of them updating the account they removed it from my credit bureau. So I was told by several TransUnion reps that all that is needed if for the lender to contact their maintaence dept and they can updated the file. I contact the lender on XXXX/XXXX/2015 and left a message on XXXX/XXXX/15 XXXX XXXX in the credit dept at XXXX contacted me back and stated that Trans-Union 's policy is once they remove an item from your credit bureau they can not put it back. I feel this is unjust seeing that I had no clue in the beginning that the account was closed on my account and or that the lender was not made aware that I reaffirmed my vehicle. I 'm trying to rebuild my credit and my life so that I can move forward. I have had this vehicle for 2 years and have never been late on a payment. I need TransUnion to put this item back on my credit report. I 'm trying to by a house in another 18 months and so this would help me in this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I attempted to go to the Equifax site per their provided link to see if I was affected by the credit breach on XXXX XXXX, 2017. When using the website, it was supposed to tell you if you were compromised or not and then give you the option to opt-in to their ID theft protection. It did not give my any such option to opt into the XXXX XXXX XXXX. It just automatically opted me in even though I was only requesting to see through the site if I was potentially affected by the breach. Speaking to the rep on the phone later that morning, she told me I was already enrolled, even though I never consented.
Bottom line, they enrolled me in something that I did not consent to and also did n't tell comsumers about the breach until a month later, resulting in me paying for credit freeze. These fees should have been waived, especially since Equifax is at fault with the lack of security measures. And now the affect to my credit will be affected forever.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I ran into an issue with Navient a number of times over the years. I wish back then when I initially got the loans that I was educated on what the loans entailed, interest rates, re-payment plans, forbearance etc. As a young college student, I was not aware that my interest rates were variable - up to 10 % on one loan, and I would be harassed up to 15 calls per day to make payments if I could afford it or not. I went through a full scale of my bills and current salary and now they want pay stubs from me and my co signer. They told me what my disposable income was, it was XXXX to be exact. Do they understand through a full month where the rest of that can do to survive? They do n't, they just want their money. Because I was unemployed briefly I am trying to get a second job just to pay other bills as well. I feel the loans were predatory to the uneducated - there was little care about educating the masses taking out private loans.

Company response to consumer: Closed with explanation