milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I opened my account with synchrony bank for a tjx rewards card in XXXX. This account offers rewards for purchases. I have used my card for purchases which most times I immediately pay off resulting in no finance charges, only rewards. A few months after opening the account I received a letter my credit limit has been reduced to {$100.00} due to negative history on my credit report. Went in the store today XX/XX/XXXX and card was declined. Logged on to my account to see I had an amount of XXXX available. I called the company who read me a letter stating my account had been closed onXX/XX/XXXX due to negative information on my XXXX XXXX report. This will negatively impact my credit score. This company is fraudulent. I have to think they closed the account due to the fact I was incurring no interest charges but earning rewards. My credit limit should have never been reduced nor my account closed.

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 10/20/2016 about Mortgage (Conventional fixed mortgage) with Envoy Mortgage Ltd. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I recently inquired with my loan servicer about the steps needed in order to drop my Private Mortgage Insurance ( PMI ). My servicer explained that I must be at 80 % loan-to-equity value, or my PMI would automatically terminate once I reached 78 % loan-to-equity value. My loan-to-equity value is currently around 83 %, so I explained that I would like to have my property reappraised because I am confident that the new appraisal would result in a loan-to-equity value of at least 80 %. My loan servicer indicated that the only way I could terminate my PMI with a loan-to-equity value of 80 % based on a new appraisal was if I made structural improvements ( e.g., an addition ) to my home. The servicer went on to state that if I wanted my PMI terminated based off of a new appraisal, that my loan-to-equity value would need to be 75 % instead of 80 %. I explained to the representative that I was not told about this at my loan origination, and it was not in any of my closing documents from origination. I requested that the servicer send me documents that I signed during origination indicating that my loan-to-equity value needed to be at 75 % when terminating PMI due to a reappraisal. The servicer sent me the Private Mortgage Insurance Disclosure for a Fixed Rate Mortgage document that I signed at closing, but nowhere in this document does it disclose what the servicer informed me regarding the 75 % loan-to-equity value requirement. The servicer stated that this guideline has been established by XXXX XXXX, whom I contacted thereafter. The representative at XXXX XXXX informed me that 75 % loan-to-equity value is a requirement for reappraisal to terminate PMI if no other structural changes were made to the residence, and the reappraisal took place within the first two years. I again stated that I never acknowledged or signed off on any paperwork at loan origination that disclosed this information to me, the borrower. The representative informed me that he hears stories like this XXXX from borrowers constantly. Since loan origination ( i.e., closing ) is a legally binding agreement between the borrower and the originator, any additional policies in place by the entities who buy the loan should not apply if they were not disclosed in the origination paperwork. To do so is breaking a legally binding agreement between parties of a contract, and should thus be deemed not applicable due to a breach of contract.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Vehicle loan or lease (Lease) with UBER TECHNOLOGIES INC (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have a lease contract for {$170.00} per week, i 've been paying this for almost 12 months. Apparently Uber initially had me sign the wrong lease Contract, which was for another car their payments were {$170.00} per week, mine should 've been {$170.00} per week. Since uber lease made a mistake in having me sign wrong contract and quoted me the {$170.00} per week they told me they would have me signed a new contract and honor the same terms ... this was back in  XXXX . Last month they started taking out {$170.00} per week, I 've called them several times over the past several weeks and I keep hearing the same thing it 's been escalated, they 're working on it but they need me to produce a contract showing the {$170.00} per week which I did with the old contract could n't find the new  one  I initialed. Still looking for new contract but they do n't have anything in writing with me signing anything stating I would pay {$170.00} per week. This is a breach of contract,  Uber  leasing company has failed to correct this and is continually taking out the wrong amount. This all started initially with them taking out a Extra amount of {$150.00} out of my direct apposite for no apparent reason, all payments have been taken out of my account by direct apposite for the past 12 months every week for {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I checked my credit report to find that XXXX XXXX XXXX is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 ) it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from XXXX XXXX XXXX to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three  major credit bureaus, Equifax, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Since XXXX of XXXX, I have observed several periods of bursts of inquiries into my personal credit profile. I have contacted the 3 major credit bureaus several times to be advised that there 's nothing that they can do. They have advised that I contact the companies directly and/or contact law enforcement. I have over time reached out to all of the companies with great difficulty in getting to someone who can answer any questions. The majority of what I have heard has been to contact the credit bureau. They continually ask for my account #, not understanding that I do not have an account with them. I ask that they verify that they do n't have an account in my name. They search for my social security number and then tell me that I must have applied for credit and if I did n't that I need to go back to the credit bureau. I 've contacted the local police in my area to only be told that if there 's no dollar amount of damage, there 's nothing to really report so no report taken. 
I have spent an insane amount of time on the phone trying to get resolution but all I get is everyone pointing in the opposite direction but noone doing anything. I have 20 unknown inquiries on XXXX, 17 on Transunion and 18 on XXXX. 
I have placed a personal fraud statement on my reports directing any creditors running an application to contact me directly on my cell phone.

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 08-11-2016 about Debt collection (I do not know) with Alliant Capital Management LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX ACM Group FTC MATTER/FILE NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX This firm called my elderly mother looking for me, she 's in XXXX, I 'm in XXXX. They tried to have her " identify me '' by telling her my former addresses ( what? ). They told her I need to sign a legal or court document called a " Preliminary Notice of Further Action '' regarding a debt w/in 72 hours. They left a number for me to call back. 
I called it and was told this is ACM Group ; we were hired by someone who is collecting a debt for XXXX. ( I googled ACM Group and found on page XXXX the FTC data ). ACM said they were calling " to establish my direct refusal to pay ''. I asked him to ID the debt before I refused to pay it, he gave me XXXX digits, I said this does n't help. I asked for the nature of the debt, he said an installment loan. I said I never had an installment loan - I 've had many accounts with XXXX, but most were deposits and my HELOC was repaid 4-5 years ago in full. He said he would recommend that his client file a " Preliminary Notice of Further Action '', then. I asked what that was and said he should hold off and just send me a proof of debt, he refused, and said it would take too long. I told him I pay my debts if I owe them - I then asked him to read the itemization on this account. He said he would email my file to me if I would read it now. I was at work, and told him that 's not a secure way to transmit this info, and again asked him to mail me his records. I asked how else can I determine what the account he has is. I do n't think I finished before he hung up on me. 
I have been called by XXXX-XXXX other collection firms over 3 years about a phantom XXXX account. I always ask for proof of the debt and an itemization of charges because I do not know of any current XXXX debt. After that I never hear back from that collector. 
My poor Mom is freaked out, she wants to know if I need money or if I 'm in trouble, she 's unnecessarily worried. I 'm fine, healthy, well employed and do not need her help. 
This sucks! I need your help!!. 
I called XXXX and was told they have no active accounts of mine, but they might have sold some debt, or maybe not. I asked what debt and was told " maybe not ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Money was not available when promised

Complaint: MoneyGram International MoneyGram Gave My Money Away to a Fraudsters. The Receiver never got {$650.00} I sent Him. BREAKING NEWS : I am about to sue MoneyGram, if they do n't get my money right and refunded. On XXXX/XXXX/XXXX, I sent someone a business partner {$650.00} for an application fee. The Receiver never got the money. Someone intercepted the funds with his id or made up id before he did. MoneyGram playing games changing the stories of the victim, witnesses, etc. I am going to put MoneyGram on my Super Blast Blow Up Line. This message is going to be posted everywhere in the world. MoneyGram has admitted they do not have a clue who may have picked up my money for a business partner client for an application fee. 

My Reference Number is : XXXX. My Complaint or Claim Number is : XXXX. 

Working on a Press Release as we speak! MoneyGram with those foreigners working the lines, twisting facts to fit from being liable. What makes it so bad, an attempt was done to cancel the transaction within 1 minute of the order, and MoneyGram refused to STOP the transaction. 

Many weeks later MoneyGram is still not responding to my calls nor emails or Complaints about this matter. ALL I WANT IS A REFUND BACK TO MY CREDIT CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Application, originator, mortgage broker

Complaint: My husband and I were denied a loan from Bank of America because we could not provide a " guarantee '' of future employment of three years. We XXXX provided letters stating high probability of employment, which is all that was required initially, from our supervisors and HR. The letters and our loan was later denied because it was not a " guarantee ''. My husband and I both hold XXXX degrees XXXX and have XXXX. We are in good financial standing. According to others at Bank of America, the verbiage of the requirement should not demand a 'guarantee ', rather a high likelihood. 
In addition to this, our loan officer and her supervisor at Bank of America have maintained poor communication with us throughout the entire process. It became evident to me very early on that our loan officer did not actually read our emails, and thus never answered direct questions asked of her, even when called out. I contacted her supervisor over this who returned my initial phone call to him said he would look in to the matter and would call me back. He called me back three days later, having forgotten he had already returned my phone call. He did not remember our conversation, listened again, and then said he would discuss the situation with the loan officer and call me back. He never did. I left another unanswered message for him since then. Throughout the process his emails to me have not been in complete sentences and when I have spoken with him on the phone I am either on speaker phone or he is driving. Complete lack of professionalism. I have since contacted HIS superior who also does not return phone calls. 

I have paid fees to Bank of America totaling {$470.00} which I would like refunded. Their service to me is incomplete, and the reasons for their denial of my loan application are absurd. The customer service is far from adequate and the communication with and among them is appalling.

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 05/16/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Billing disputes

Complaint: Made a purchase at Kohl 's in XXXX. Never received an email or written statement. They called yesterday to tell me that I had n't paid in two months and that I had the wrong email on file, However, I continue to receive emails regarding other announcements from Kohl 's. I have never been late on a payment for anything and this {$29.00} purchase is affecting my credit. My penalty was {$81.00}. I promptly closed my credit card with Kohl 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Please see attached. I received a notice from the collection company. When I first called they were not very unprofessional and the operator hung up on me. I called back again and requested to speak with a supervisor. I was told to hold and they would request a supervisor. I was then put through to a voice mail and still have not received a return call. I was told that I am not allowed to request proof and if I did n't pay they would report me to the credit agencies immediately even though I never received any notification from the City about the citation. I have since filed a Motion to Vacate the citation. I have attached all of the paperwork for evidence. The operator said they will report me to the credit agencies no matter what I did. I am reporting this is the CFPB before they illegally report this account and mess up my credit. If they can validate the claim I have no issue paying but I think since I have not received anything from the City or this collection agency I have a right, before they report my account, to validate it. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been repaying more each month than is due. However, Navient still attaches late charges to the month that I paid after my due date. Even though my account was paid in advance. They also make impossible to speak to a representative who is within the United States who I can understand. I emailed them and they do not respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I recently had a change in mortgage loan servicer. The new company named Seterus has acted very predatory. They have placed collection calls to me if the payment is not made on the first and I have always paid within the grace period by the XXXX never a 30day late payment. When I have complained to them, they say I can request only in writing, for them to stop calling. A written request from me is the only way they will consider avoiding this horrassment. When they first took over service, without any notice they dispatched a local contractor to enter my home, change the locks and remove my belongings. Needless to say I was alarmed! The XXXX guys at my door showed me showed me Seterus work order and gave me an XXXX number for a service contractor based in some other state. The contractors would not give me there names or provide any identification. I have everything documented for this action. The latest go around with Seterus involves unjustified charges on my loan account. They told me on the phone that I could stop the collection of property tax escrow ( not a requirement of the note ). Again the request must be in writing and they gave me a persons name a fax number to send. So I produced a written request and faxed it in early XXXX. Three weeks later they wrote back and said they were processing my request. On XXXX XXXX I made a regular payment for P & I but did not include an escrow amount. So today I got a call from Seterus again, this time demanding the escrow amount and a {$65.00} late fee. XXXX their representative never stated their statutory legal statement that they are a debt collector, but she did go on to affirm that they recieved my payment however she would not refund or strike off the late fee charges. XXXX put me on long holds at least three times and said she was trying to clear up the escrow issue. Again the standard statement was : that I could send them a written request to write off the late fee. Instead I told XXXX a representative of Seterus not to call me for any reason unless my loan is thirty days past due. I further stated that we are in dispute and it should be resolved in writing, " therefore I stated '' " do not call me for any reason, unless I am more then thirty days past due ''. She replied " they will continue to call every five days ''. I did n't think it was legal for a debt collector to act this way. Hence my description " preditory ''

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX 2016 : I logged on to Navient to make a payment and found my account put into forbearance without my permission or notification. When I called customer service to sort out this issue I was told by a representative that they had received notification from a 3rd party that my father, the loans cosigner, had died. Needless to say this caused me distress and to spend the next few hours calling my family and tracking down my father to confirm that this was not true. When I called Navient back, I informed them that the information they received was false. I then inquired about the 3rd party that sent notice and I was told that that information was not available. I then asked them to correct the issue and put my account back to its previous state so that I could get caught up on payments. After 40 minutes waiting I was told that it would take 72 hours. I informed the agent that I would not make a payment until my account was corrected. It is now over 3 weeks later and the account is still in forbearance and showing inaccurate information and I refuse to deal with their incompetent customer service again. The account is probably accruing interest and I 'm sure late fees as well, but I ca n't get that information from their website. I am suspicious as well about this " 3rd party '' that told them my father passed. Since they will not tell me anything about them I have to assume that they, Navient, are behind this because they are the only ones gaining from my account being in forbearance ( accruing interest ). So I have turned to the only place that might be able to help me out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied for and received the American Express Blue Cash Card ( XXXX ) in  XX/XX/XXXX. The invitation information said that there is no fee, and I also enjoy 0 % interest until the end of XX/XX/XXXX. I therefore applied for a balance transfer of {$6200.00} when I applied for the card. The balance transfer was approved and executed in XX/XX/XXXX. However, AmericanExpress incurred a 3 % balance transfer fee against my account. I believe this is not consistent with the invitation material that AmericanExpress sent me, and therefore a breach of contract. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation