milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2015 about Debt collection (I do not know) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Keep receiving automated telephone calls indicating they are Amsher Debt Collection Agency calling in regards to a debt. No debts - nothing is owed to anyone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: A Santander Consumer account that was open in XXXX XXXX and closed due to repossession in XXXX XXXX is reporting inaccurate information, high balance, balance due, payment history and reason account was closed. I have requested through them and the credit bureau to please remove account due to inaccurate information and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Re : Chapter XXXX Bankruptcy reported on my CR. 

The US Bankruptcy Federal Court of FL Does not report to Credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However Credit bureaus actively search public records for any judgments. A bankruptcy is public information, again the US Bankruptcy Federal Court does not report anything to various credit bureaus, nor they VERIFY that information reported on my Credit Report is ACCURATE. EXPERIAN has find information through third party research. 
I contacted Experian by mail to provided me with copies of any documentation associated with this account " BEARING MY SIGNATURE '' with the name of the contact person in court that furnish the information to Experian. Experian failed to provide me with the requested information sending just a letter stating they " VERIFY '' the information and to contact the furnisher that is on my credit report and this is The US Bankruptcy Federal Court, I contacted the court and what I wrote at the beginning of this complaint was the court response. I sent the same request letter to XXXX and they removed the information from my report due to the lack of documentation. 
Experian Violated the law reporting information that they ca n't Validate with the Court stating that they " verified '' the info with the furnisher and this is the court and the court does not provide any information to them. 

No documentation were provide to me bearing my signature or how they verify the information. 
I formally request that this information be immediately deleted from my credit file Experian maintain under my Social Security number.

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 05/16/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Trouble during payment process

Complaint: On   XX/XX/XXXX  , I send a large principal payment via check to my mortgage service company. I have sent many principal payment checks previously, the checks have been cashed and the account has been credited. This payment would lower my principle balance to less than {$1000.00}. However, the mortgage service company has refused to cash the check, and instead tells me they are send the check back to me because they consider this a loan payoff, and they will only accept a wire, or cashier 's check. My loan has no prepayment penalty. They have left me with in excess of  $ 10 0K  in  a checking account earning no interest for weeks now. But they are charging me interest on this large sum because they refused to accept my payment in direct violation of my loan.   I did not want to go through the time and expense of sending a wire or obtaining a cashier 's check.   The service company is  PennyMac.    I find this to be unethical, and illegal. I am being penalized for prepaying my loan by the loan service company.   How do I recoup my losses, and what should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I never received statements from  Wal -Mart. When  did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score .

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 05-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (ME).
Issue: Delinquent account

Complaint: Divorced spouse. Effective date was XXXX XXXX, 2014. In the decree, it stipulates former spouse was to pay ANY and ALL debt incurred during divorce proceedings. Before final agreement, former spouse was the only source of income. This hereby cause me to fall behind on payments. Once former spouse made proceeds available, I contacted creditor to catch up on the late payments. This was on or about XXXX XXXX, 2014. During the course of the telephone conversation, the customer service representative agreed to waive ALL late charges, as well as back interest. Also, the representative mentioned the account would be reported as " Paid, never late. ', due to divorce proceedings. I mailed creditor a copy of the decree, and I received a letter from creditor, stating the account is reporting correctly. I feel as if I was lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Home equity loan or line of credit) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015 At approximately XXXX-XXXX, I answered my cell phone however there was no response from the caller. I immediately checked the call in to determine the source. It appeared to be HSBC. I placed a phone call to the number and reached XXXX XXXX, HSBC Home equity-line of credit representative. I asked about the nature of the call. XXXX indicated that this was an inquiry to see if I would be able to make a payment on the loan to bring the account current. XXXX, stated further " that during your financial interview on XXXX/XXXX/15, the information the information collected did not meet certain requirements. I stated that during the week of XXXX XXXX, 2015 I spoke with XXXX XXXX the account manager handling, the mortgage modification request. XXXX further informed that I was no eligible for the modification. This was determined by lack of income. I inquired what the income level needed to be. She stated based on the financial statement your previously provided you are not eligible. That seemed odd since HSBC approved a modification of my first loan which improved my income cash flow by more that {$600.00}. I stated to XXXX that I will inquire further to address this concern. On XXXX XXXX, 2015 I spoke with another HSBC representative XXXX. She stated that there is an option to enter into a payback option. This payback option was described in XXXX parts. The first option is XXXX % at XXXX An additional option at XXXX % XXXX and a final option at XXXX % XXXX. I asked could she send this in writing. She stated no they can not do that. This all seems very odd. No one from HSBC is willing to send forward in writing. I am not asking for a fair review. I am asking for a investigation of this matter. This is my 3rd complaint submission against HSBC. For HSBC not to send this tentative agreement of terms in writing, is not a sound business practice. It also appears that HSBC has taken the position to close the home-equity line of credit. I suspect a reconciliation of payments with the amortization schedule will show discrepancies of the principal owed and the payments applied. I asked that my previous complaint submissions be re-opened to address my concerns. 

I have taken the appropriate steps with credit counseling and made substantial cuts in family budgets and expenses. I am also working to resolve issues with other creditors. My original concerns with the modification process is multiplied by several representatives being assigned as my case manager. It was acknowledged that several documents were not sent to me in a timely manner and that their computer fax system does not always update information properly. The initial case manager on my XXXX and XXXX loan modification XXXX XXXX informed me that my original submission went into their processing system satisfy the first loan mortgage modification and not the second.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (PA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I have a car loan through American credit acceptance for a XXXX XXXX XXXX  The vehicle was sold to me in XXXX for approximately {$10000.00}. The total payments I have made have exceeded that amount but because of the interest and fees caused by late payments the finance company still has my balance at close to {$6000.00}. On XXXX XXXX, XXXX I contacted ACA in regards to the condition of the vehicle. I advised at that time that the vehicle is barely in working condition and asked for my options. I was told about a settlement offer. The agent instructed me to take the vehicle to a mechanic and get an estimate for the needed repairs and to fax it in along with a settlement offer that I think the van is worth. The mechanic recommended getting rid of the vehicle as the repairs needed would be well into the 1,000s, would n't guarantee a fix, and would n't be worth it based on the XXXX XXXX value. Based on the mechanics estimate I offered {$750.00} which is the trade in value on that vehicle in excellent condition which this van is not. On XXXX XXXX, XXXX the company received my paperwork by fax. The agent I spoke with said the account is put on hold until the settlement is reached. My offer would be reviewed and either accepted and a letter will be sent stating that I have 30 days to pay or a counter offer will be sent and if I accept I have 30 days to pay. My account was not in repossession status at that time. While waiting on the decision from the company the condition of the van worsened making it unsafe to drive. On XXXX XXXX, XXXX the vehicle was repossessed from in front of my house. I contacted the finance company who admitted that the settlement process was not marked on their end as started and although they received my paperwork to start the process it was not started so the account was not put on hold so eventually it went into repossession status. The error was with someone in the company not completing the necessary steps to get the settlement started but when I spoke with them they put it on me for not calling back when I was told submit the paperwork and I would be contacted. Also they did not accept my offer but raised it to {$1000.00}. So when I said that was n't how the settlement was supposed to work, I was supposed to keep my van get the title and do with it what I pleased and now I have nothing and you still want me to agree to the settlement. I was told that 's the best they could do even though the van should n't have been repossessed. I want this van showed as being paid or settled and no repo on my credit because it should not have been repossessed when the account was on hold and I should n't have to pay the settlement offer if I 'm not getting my van back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: APR or interest rate

Complaint: XXXX mastercard offered 6 months no interest if paid in full to me. I took advantage of the offer. They then began charging interest immediately, starting on my XXXX/XXXX/15 statement in the amount of {$10.00}. I want the special financing they offered as advertised!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX has been extremely difficult to deal with -- refusing to make changes and even informing the CFPB that they have made changes only to reinsert incorrect information. That is why I know feel that I need to go through CFPB for all issues XXXX. 
XXXX is reporting XXXX hard inquiries on my credit report for a single mortgage transaction. The inquiries come from XXXX XXXX on behalf of XXXX XXXX. 
Mortgage InquiryCreditor TypeMortgage ReportersCreditor NameXXXX XXXX XXXXMDBureau Experian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2017 I initiated a wire transfer from my bank account to my XXXX ( CoinBase ) account. The amount has yet to be credited to my XXXX account. I 've reached out to XXXX Customer Support, but they failed to update me on when I can expect my account to be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company never sent letter to advise me of this supposed debt. I found out about this from pulling a copy of my credit report ( s ). 

I have never heard of or have done business with the original creditor as stated on my credit report ( s ) by this collection agency. 

I have attempted to obtain information on the original creditor and it appears to be a " Pay Day Loan '' type of business. I have never needed or used the services of a Pay Day Loan or Cash Advance type of company. 

This debt is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, XXXX my car was repossessed at XXXX. I commute from XXXX to XXXX daily, and subsequently had to take off work. My work computer and room keys were in my vehicle. I was told the vehicle was being taken XXXX hours away. The XXXX repossession specialists charged me XXXX dollars cash to get my items from the vehicle. I was exactly 60 days late on a partial payment. My car note was XXXX dollars a month with a 22 % interest rate. The car was purchased XXXX XXXX, XXXX.At the time of the loan, I had a credit score of XXXX. I believe that Honda Financial/XXXX XXXX XXXX XXXX discriminated against me as an XXXX woman and charged me excessive interest, and also ran my credit numerous times, which actually lowered my credit score. The dealership was attempting to get a loan that was thousands above the car value and was refused by several banks. I was told that my " low '' score was the reason the interest rate was so high, and that I could refinance when my credit score went up again. I was not aware of the large negative equity until after the vehicle purchase when the credit denial letters came in the mail. I was not able to refinance the vehicle because of this negative equity situation. Now, Honda Financial is reporting a repossession on my credit, and the past due balance as XXXX dollars, which is two payments ... when the car was repossessed for a past due amount equal to one payment and a little less than half of a payment ( XXXX dollars ). I paid them thousands of dollars for over a year. I received a letter on XXXX XXXX XXXX dated XXXX XXXX, XXXX stating their intent to sale the vehicle in a private sale and seek the remainder of costs which currently equal XXXX more than the value of the car. I am also a military spouse. This is my third XXXX ; but the first purchased in XXXX. I believe Honda Financial has a history of discrimination, and dealer markups directed at minority consumers in this area. I am also certain that the repossession was also discriminatory. I believe the Department of Justice abd the Consumer Financial Protection Bureau, along with other regulatory agencies should investigate the pattern of Honda Financial Repossessions and predatory lending practices. After, I told XXXX in the recovery department about the completly unprofessional manner in which my car had been repossessed, and my belief that I was discriminated against ; he asked that I fax proof of insurance/pay stub. I did this, but heard nothing for weeks. On XXXX XXXX I received a phone message stating that they were making a last attempt to return the car to me??? Still ... nothing in writing besides the letter about the private sale and a notification of 60 days to collect any of my possessions from the vehicle. There were multiple layers of problems with Honda Financial/XXXX XXXX from the sales tactics/pressure, to the taking out the loan, to the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Trouble during payment process

Complaint: In the ongoing saga ( now nearing 4 months ) of trying to get a refund of our escrow account balance in the amount of {$1400.00} so that we can pay our property taxes, once again Nationwide ( now known as Mr. Cooper ) has, without authorization, taken a full amount due of {$1700.00} for our mortgage payment in XXXX from our bank account, rather than the balance after this promised credit noted above which was authorized at {$220.00}. Since our last complaints this company has sent us a check for the owed amount which we deposited and then learned they later stopped payment on it without any notice to us ( which resulted in a fee to us by our bank and could have caused an overdraft in our account ), thereby taking back OUR money. That is what they did again on XX/XX/XXXX with an  unauthorized withdrawal. We have not approved an automatic monthly withdrawal by this bank, so we do n't know why they could take a different amount from us than that authorized in a phone call on XX/XX/XXXX. Every move made by them since our mortgage was sold to them appears to border on fraud. We have written letters, spent countless hours on the phone with multiple customer service people who provide no service. Our concern is that our property taxes are due XX/XX/XXXX and the money put aside is not at our disposal to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Student loan (Non-federal student loan) with Primary Financial Services L.L.C. (PR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I started repaying my loan with the third party and at a point I talked to them because could n't keep making the full monthly payments of XXXX, to which they offered me to make payments of XXXX for a few months and accepted the offer. they sent me the receipts of debit for the amount of XXXX twice and then contacted me and told me that it was wrong and they could n't do that that if I did n't make the full payment at that time I would loose everything and would have to start over. I explained they made an agreement and that they would have to keep it because I already payed {$4200.00} to a settlement offer of {$7600.00}. Under UDAP, they deceived with information given and then I heard nothing from them and was contacted by another 3rd party to start repaying the whole amount and that I lost all the money I had already paid.

Company response to consumer: Untimely response
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with American Coradius International LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX I received a notice dated XX/XX/XXXX, from American Coradius International LLC that a XXXX, XXXX account in my name had been placed with them for collection of {$510.00}. I do not have nor have I ever had a XXXX, XXXX account # XXXX. Per the instructions in the collection letter, I notified ACI in a letter sent by certified mail on XX/XX/XXXX, that I disputed the claim, that the XXXX account number was not mine and that I had no outstanding obligations to XXXX. After the letter disputing the claim was sent, I received at least four phone calls attempting to collect the disputed amount. ACI never sent me the promised verfication of the debt or a copy of any judgment as they said they would if I disputed the debt. On XX/XX/XXXX, I received second debt collection letter dated XX/XX/XXXX, from ACI LLC for this XXXX bill that is not mine. The amount of the account balance has risen to {$1000.00}. I have again written to ACI and disputed the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt once I had cancelled my service. Once this went into collections with XXXX I disputed it and asked them to send me anything showing what I owe. They never did and instead sent me a letter saying they could not validate the debt and would remove from all credit bureaus. Two months later another collection agency popped up on my credit with the same debt saying I owe them. I contacted them immediately requesting proof and they never sent it. This should not belong on my credit and I am trying to buy a house and it is affecting my score. These companies should not be able to keep hassling you even after they ca n't prove a debt. When does it stop?

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