milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Carrington Mortgage Ser vices LLC Loan No.  #  XXXX   Phone No . #  XXXX  Ext :  XXXX  Fax :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX   XXXX   XXXX   XXXX  was my first and only lender until   XXXX   XXXX   XXXX   XXXX  bought  XXXX   XXXX   XXXX  on about  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   Loan No.  #  XXXX  Sold my loan to Carrington Mortgage Servic es LLC Loan No.  #  XXXX  I received the Carrington Mortgage Service s LLC inform ation on Friday  XXXX  when I called   XXXX   XXXX   XXXX   XXXX  to check on my Short Sale status which was currently in effect and past approved by both   XXXX   XXXX    XXXX  and my second,  XXXX ..       XXXX   XXXX    XXXX  sold my loan while the Short Sale was approved, complete with a buyer.     Now that Carrington Mortgage Servi ces LLC bought my l oan and in my opinion cant produce the following documents because in my opinion,   XXXX   XXXX    XXXX  never had them and also refused to produce them for me, therefore Carrington Mortgage Services  LLC  in my opinion doesnt have them and wont be able to produce them as well.     Would you please ask to Carrington Mortgage Service s LLC to   produce the following item s : 1.  The  XXXX   XXXX   XXXX  to   XXXX   XXXX    XXXX  Assignment of the note in Deed of Trust.      2. Th e Chain of Title from  XXXX   XXXX   XXXX   to    XXXX   XXXX    XXXX  to Carrington Mortgage Services LLC.      3. Copy of the Recording of De ed of Trust in  XXXX   XXXX .      4. Copy of the Merger with a list of the assists and UC1  filing.      5. Also,  if any of these documents show up, Im requesting a  Federal Officer examin e the ink on the date to determine if its appropriate for that month and year.      6. What amount of money did Carrington Mortgage Services LLC  pay   XXXX   XXXX    XXXX  for my loan?     Thank you for your attention to this matter.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receive calls all the times and asked I be remove from the do not contact list

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I received a letter dated XXXX/XXXX/XXXX from Synchrony Bank in XXXX Fl. regarding my Synchrony credit card ending in XXXX. This letter stated that Synchrony was conducting an investigation to verify recent transactions processed on this card. I had received a phone call from Synchrony just prior to the letter advising me of certain charges showing up in other states such as Illinois, California and Texas. During the phone call I made it clear that I had only been in Va. and N.C. in recent months and these were clearly fraudulent charges. I was assured that these charges would be removed and that my existing card would be cancelled and I would receive a new credit card. This was followed by a letter advising me that the disputed amts. and all associated charges would be removed and credited to my acct. Only part of the charges have been removed despite phone calls to complain about this. These charges remain plus monthly late charges and this is being treated as if I am delinquent in my payments. My last contact with the BP fraud unit was XX/XX/XXXX and I talked to a person named XXXX who gave me a file # XXXX. She advised me that these things take time and told me not to worry. Nothing has changed and I just received a statement with further charges added and that this is an attempt to collect a debt. This seems to be never ending and leaves me without faith in Synchrony Bank doing anything to clear this up. I have an unblemished credit record and I am worried that the lack of attention to this matter may leave me with damaged credit.

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 06/19/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (MS).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Vehicle purchased in XXXX 2027. : Was taken to the shop twice.. found to have rust on part and needed replacement. XXXX found rust.. extended warranty refused to pay. Could not afford to keep paying for towing and repairs and pay car payment ..made no sense to have vehicle for three months and have this much trouble.. asked the company to pick it up. Dealership said they had nothing to do with it.. finance company said I would be volunteering abandoning. Unfortunately that 's how it will have to be I am not paying for that lemon. If the transmission has rust there is no telling what else is wrong. I will just take a change on my credit for the next seven years.
I could understand if it had been at least a year or even six months. But I just got it in XXXX. So I 'll suffer they just need to get their vehicle. I am NOT PAYING.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: In XXXX of 2017, I started sending Experian letters to verify items on my credit report. They never did provide me proof of original documents for the items that are on my credit report. The Federal law states they must delete any items that they are not able to provide me proof of original documentation. I have sent them four letters.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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: Have tried to work with XXXX, Equifax and XXXX over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX XXXX car loan, and XXXX mortgage accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and XXXX, XXXX and Equifax and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with XXXX XXXX XXXX for XXXX. The account has been closed since 2012 and is now showing open on my credit report. This information is inaccurate on my equifax report. This has affected my credit report with the wrong information. The account was opened 7 years ago and should 've been removed. I 've disputed this and now it 's showing all this different information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Putting me on repayment plans that barely pays the principle and are solely allocated towards the interest without informing me of that. When put on a rate reduction program, Navient would not remind me to sign back up. Would charge me for higher interest rates while I was n't signed up. Had to resign back up through a very extensive process in order to be re-initiated into the rate reduction program. Aggressive and non sympathetic ways of analyzing my finances in regards to payment plans. I 've twice had agents think it was okay that I would be left with {$50.00} in my bank account balance at the end of the month after my expenses and Navient loans were paid that month. Have had multiple tactics stated to try and get me to declare forbearance even though payments have n't been missed since I was struggling to pay their monthly rates. Always received different answers from different employees regarding loan status/problems. Harassment- multiple phone calls to my cell phone and my parent 's home calling for collection for missing payment by one day. 8 years have gone by and I 've paid tens of thousands of dollars, yet my balance still remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has placed another companies information on my credit report. I have disputed the information and have not heard back in sixty days. I have given them documents to show the information was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Experian will not explain to me why my FICO credit score dropped. Their customer service representative, when called on X/XX/17, said they were unable to determine why my FICO credit score declined within the past 6 months because I did n't have an account with Experian. 

If Experian is going to determine the FICO credit score, which directly affects my ability to open new lines of credit, I would at least like to know the factors that go into determining that 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 09/14/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XXXX/XXXX/2016 I contacted XXXX XXXX XXXX to pay a debt a settled amount of debt owed. All there communications to me was either a California address or XXXX Colorado. I was hesitate to give my banking account number and routing number so I told the gentleman I would pay it with credit card. Once payment was approved a foreign transaction fee of {$150.00} was attached. I feel that the company should have told me the charge was coming out of XXXX XXXX but that information was not revealed to me at the time. I am aware that the credit card company charges this fee but had XXXX XXXX informed me correctly I would have used other options to pay them.

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 04/29/2015 about Credit card () with TD BANK US HOLDING COMPANY (OH).
Issue: APR or interest rate

Complaint: I purchased a set of wedding rings through XXXX XXXX XXXX and financed them with T.D. Bank and XXXX XXXX incorporated. I 'm currently on 0 % interest for the credit card but was informed after the promotional period expired the interest rate would hike up to 28 %. I 'm active duty XXXX and told them that and that I 'm covered under the XXXX. They told me this did n't apply to me unless I deployed. This is not the case and applies to anyone on XXXX orders.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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: Equifax  Tax Lien Federal  I have on several occasions sent notes to the reporting company to remove derogatory information from my credit report. While there where  XXXX  items I requested they remove and supplied them with all information regarding both they removed  XXXX  and to date still have not removed the  XXXX  item Notes and information was sent thru Post Office mail on   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  and  XX/XX/XXXX   every time I check my report thru  XXXX   XXXX  this  XXXX  item is still there even after I explain the law that said this was to have been removed with in 30 days of it having been satisfied. I got this information from the IRS web page. I understood this to have been removed in    2012  and now 5 years later it is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Customer service / Customer relations

Complaint: I purchased a new XXXX laptop on XXXX/XXXX/2015 for {$1000.00} ( before tax ). I used my CITI card. It has a warranty extension benefit that comes with the card that doubles the length of the manufacturers warranty. I opened a claim and sent in the required documentation. One of the things the claims package requested was an estimate for repair from the manufacturer. I had a manager at the service department of XXXX send me an email estimating the cost of repair and sent it in with the claim package. CITI 's claims department denied the claim on the basis that the estimate I sent in was not itemized. I informed them that XXXX was unable to give me an itemized estimate until I sent in the laptop ( which requires I pay the {$210.00} they estimated for the repair ). So Citi is unwilling to pay the claim without an estimate for the repair and I can not get an estimate until Citi pays the claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Last year, I took advantage of a Citibank offer of a {$400.00} Cash bonus for opening a new checking account. The requirements were to open a new checking account, deposit at least $ XXXX, and keep the $ XXXX in the account for at least 30 days. At the end of this 30 days, I was promised that I would receive the {$400.00} within 90 days. I opened the account on XX/XX/XXXX, deposited $ XXXX on XX/XX/XXXX, and kept it in the account until XX/XX/XXXX. 90 days from XX/XX/XXXX was XX/XX/XXXX, and I still have not received my {$400.00} cash bonus. I have called Citibank numerous times, but am never able to get a straight answer as to when I can expect to receive my {$400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: Firstly, I 've been switched around from one mortgage company to another without any notification. That being said, I was with XXXX bank for about 7 years with an interest only loan when they switched me to Bay View Loan Servicing. While in the process of obtaining a modification, which I 'm told I must be at least 2 months late to qualify, I kept receiving calls and letters for payment for which I informed them that I was in the process of a modification by your own bank, so please stop sending letters and phone calls. This has continued for over 5 months now ; have been approved for the loan modification, for which I have made two payment already. They continue. It 's clearly a case of the left not knowing what the right is doing. One end of the bank is collecting while the other is setting up a new loan. Do n't they communicate? This situation is prevalent throughout the financial world. I can blame technology and particularly automation on this problem. Instead of becoming more productive, we are becoming less with thousands of similar problems because people are getting lazy as a result. No one looks into matter anymore thinking automation will take care of it On top of that I have a home equity line which was not considered. In addition, they are providing this information to the XXXX credit reporting companies that I am late every month on my payments, thus really ruining my credit, with no information relating to the fact that its a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Medical) with ALCHRO INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Untimely response
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX I deposited a check from one of our clients into our BoA business checking account. The following day I noticed that the check was placed on an extended hold and so then processed to reach out to the bank to see what was the cause oh the hold. The bank claimed that they could not verify the check, rather, that could not confirm that the check was written out to us even though the client clearly made the payment out to us. After speaking to multiple bank representatives and being placed on ridiculously long hold I then came to learn that BoA was closing our business account with them and would not render any explanation as to why they were doing so. BoA then decided to hold the check that I deposited along with the funds in our account, they disabled our ability to view the online banking portal thus making it impossible to transfer funds onto new account in order to continue conducting business. I made several attempts to regain access to our account, BoA representatives were not interested in helping us resolve this issue, they would constantly transfer me to a new person would then give me the same information that the previous person gave, and would they continue to not provide us with any explanation as to WHY this was happening. I also asked to speak to a department manager and was always denied. It has now been over three weeks and the issue is yet to be  resolved, BoA claims that the account is still in the process of closure, and I have not received the check that I attempted to deposit. As a result this has caused a serious strain on our business andcaused us to miss payments due to vendors and such, and has disabled our ability to conduct  business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2015 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Other

Complaint: I have a credit card debt with Wells Fargo that I have been trying to pay off for at least the past 3 years. Last year in XXXX of 2014 they gave me a break & stopped charging me intrest on the account due to financial difficulty & I was able to make regular payments on time. However it was only for a year. Now they have added they have added the intrest payments back which doubles the amount I have to pay, on top of which the account is closed/cancelled so I can no longer use the card. For the past few months I have been charged intrest on cash advances & purchases I ca n't make. I also have no way of making payments to the principle credit card debt. How am I suppose to pay the debt off????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Advertising and marketing

Complaint: I received a letter from Wells Fargo XXXX XXXX OFFERING me an increase on my card and stating all I had to do was call the number ... XXXX ... to answer a few questions. Little did I realize what would result. The rep asked my income and I told her. It is higher by about {$5000.00} than when I got the card. The letter states : your account must be open, in good standing, and your credit limit must not have changed in the past three months. '' Great ... that 's me. A person named " XXXX '' or " XXXX '' said, sorry my income does n't meet the requirements. I disagreed and asked to speak to her supervisor. My income is more and my debt less, so I do n't understand. XXXX told me she would have the supervisor email me later and I said I 'd rather hold and speak to the supervisor ... .and after a hold of about XXXX minutes, someone who identified herself as " XXXX XXXX '' spoke with me and reiterated what was said. The supervisor was fake understanding and conciliatory but would not understand my point. My main complaint is the letter and their tactics were deceptive. The letter never said I would have to requalify and prove my income. According to the letter, I fulfilled all the criteria, and they said they were raising the limit, I did n't ask. Adding insult to injury, I am a Wells Fargo customer with a checking account and a home mortgage with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation