milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2016 about Bank account or service (Other bank product/service) with First Data Corporation (FL).
Issue: Account opening, closing, or management

Complaint: Our business was contacted by merchant services provider that they could save us on XXXX processing fees. They proceeded to have us sign up for a 4 year lease with First Data Leasing to the tune of {$7700.00}. We decided not to proceed with XXXX as we found a better deal before we ever hooked up the equipment with First Data Leasing. First Data Leasing and XXXX are not allowing me out of the contracts even though I never used either of their services. The women whom signed us up was told repeatedly that we did not want to be under contractual agreement however she convinced us by saying we could get out if they could not save us money. We found a way better deal only a week later before we ever hooked up the equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I purchased a car in XXXX 2015 for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted XXXX and I was told it was my banks fault. My bank tried contacting XXXX, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on my credit report.

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 02-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: CMS LN XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX XXXX XXXX On XXXX/XXXX/XXXX we submitted our authorization to Carrington. We have requested a postponement of their upcoming foreclosure date of XXXX/XXXX/XXXX, as there will be an equity sale that will pay the investor IN FULL. Carrington currently has an opening bid of $ XXXX, which is well below the amount owed to the investor. 

Please see attached Carrington payoff demand, HUD, Offer, which show this will be an equity sale for Carrington has only had this loan since XX/XX/XXXX.Carrington immediately filed the NOTS on this loan, and has not once contacted the homeowner to discuss foreclosure options. Carrington has not once contacted the homeowner to attempt to do a loan modification. The previous servicer stopped taking payments from her XX/XX/XXXX. The previous servicer, XXXX XXXX XXXX, never attempted to do a workout with the homeowner. Carrington has not once ever contacted the homeowner or informed the homeowner of any Home Retention Options. It is likely that XXXX XXXX XXXX and Carrington BOTH have violated HBR and Federal Servicing guidelines, as neither lender has attempted to do any kind of workout. Carrington took over the file and a NOTS was immediately filed with no contact to the homeowner whatsoever. It is obvious there is FRAUD going on at Carrington, and possibly XXXX XXXX XXXX as well. 


Carrington is refusing to postpone the sale date to allow the equity sale to take place. They are doing this in an attempt to defraud their investor and their own client, and the fraud is happening on many levels. 

1. Carrington forecloses on properties to that they may steal the homeowner 's equity in the property. 
2. Carrington forecloses on properties for their own gain, and defrauds their investor out of a full-payoff of their loan 3. Carrington forecloses on properties so they may transfer the file to their retail division which will collect money on the real estate side by listing and selling the property themselves I am sure Carrington is going to attempt to lie to you, the CFPB, regarding the fraud they are committing. We are getting sick and tired of lenders telling us that they outright LIE to the CFPB, then laugh at us for thinking the CFPB would help. 

It is my understanding that this is not the 1st time this exact complaint has been made to the CFPB. Carrington, in fact, has done this exact thing with many other homeowners. We would be happy to provide evidence of this upon the CFPB 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Student loan (Federal student loan servicing) with Ceannate (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: servicing and paying back a student loan i entered inadvertently when i just arrived the US XX/XX/XXXX/XX/XX/XXXX,  and was notified of it when i arrived with plans to further my education. But i have been unable to get access to my credit score or i dont know if the debt been serviced is preventing me and other companies like phone companies etc from seeing my credit score so as to easily enter into payment plans. I dont know how long one has to be in the country to have usable and effective credit reports since almost all services and purchases as well as automobile and housing deals with credit score systems. 

Please advise me on how to get this settled. Apparently, there are alot i am yet to understand or know fully with regards dealing with consumers and companies generally. Expecting your reply as promptly as possible. I have moved like 4 times since XX/XX/XXXX, stayed in one location in XXXX XXXX. Since arriving XXXX in XX/XX/XXXX, this is my 3rd address. My new Social security card has just been mailed to previous address in XXXX. Please what do i do? 

You can reach me via phone as well XXXX and or email.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EdFinancial Services (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My student loan creditor, Ed Financial/XXXX is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). <P/>The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. <P/>Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. <P/>( 2 accounts ) : Loans placed in forbearance on XXXX 2010 and retroactively backdated to cover past due months of XXXX 2010 - XXXX 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Trouble during payment process

Complaint: I got a tax bill my supplemental property taxes which in California is my responsibility although I was never told this in my  seven years of home ow nership. I have h ad two o ther lenders and in the past have gotten a letter saying I have a tax bill that is not covered or that there is n't enough money in the escrow account etc.. I am given the option to pay it or I can do nothing and they will pay it and my monthly payment will go up. I have not received anything from this company and I did not even receive my tax bill in the mail. I got a bill in the ma il  X/XX/2017  saying my tax bill was delinquent and I had to pay. I also have a {$420.00} fee now. I called the company and  all they said was it is not their responsibility. They said I can send the bill in and they will take it out of my escrow account I told them they should pay the fee but they just repeated it not their responsibility.This company also paid my homeowners insurance late. I had to call my insurance company and talk to them and pay a late fee, so I am really unhappy with their customer service and I do not appreciate them paying my insurance late and my not letting me know about my tax bill and letting me they are not responsible.

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 02/21/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I had a XXXX XXXX XXXX it was being put up for repossession due to be losing my job I reached out to them to lower my interest rate or payment and I was denied the pavement at the time before falling behind was for {$460.00} I paid on XX/XX/XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: We have been making payments to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. Last payment was made XXXX/XXXX/2016 for {$150.00} on check # XXXX. We received a notification from Central Financial Control a Debt Collection Agency for the balance of {$260.00}! Central Financial Control has the same mailing address XXXX XXXX, XXXX, AL XXXX. THIS IS THE SAME COMPANY COLLECTING FOR XXXX XXXX XXXX XXXX and using the tactic that they are collecting a bad debt when there is n't any. When contacting Central Financial Control regarding this, they said the account would be considered past due unless we signed up for a monthly payment plan. Central Financial Control is fraudulently implying that the only way we can pay this debt is through a monthly plan, and that this is considered to be a bad debt, even though it 's been paid regularly. This is FRAUD and DECEPTION. When we requested that XXXX XXXX XXXX XXXX send us an updated bill, the woman XXXX employee number XXXX or XXXX stated that the only way we could get a XXXX XXXX XXXX XXXX bill was by signing up for a monthly plan.

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 12/19/2016 about Debt collection (Medical) with Stillman Law Office (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a complaint regarding a notice I received from a law firm about a debt I incurred to a medical team. The problem is : this is not a debt I owe. The original bill was paid in full and I have the canceled checks proving the doctor 's office cashed them. 
Apparently, the invoice was submitted to a collection agency even though it had been paid, then re-sold to other companies, in what I assume was a list of junk debt. Most of these companies, even though they list their businesses as debt recovery services, do n't recover anything and simply repackage and resell the list to other debt recovery services that do the same. The last company to obtain the list, XXXX XXXX XXXX XXXX, lists their business address in XXXX XXXX, MN allegedly hired the firm of Schlee & Stillman , LLC in XXXX, MA to recover the already paid debt. 
I find it disgusting that I have to waste my time, energy, and money to fight a claim that should n't even be a claim. I am tired of all these companies washing their hands with rhetoric while stating that the claim looked legitimate at the time, or that they were conducting business based on the information given to them, blah, blah, blah. 
It should be illegal for companies to sell debt to one another while making money on the backs of those individuals who ca n't afford to pay exorbitant medical bills. I will be contacting my state 's representatives on this matter to help circumvent this practice. 
This is nothing more than harassment, worse than telemarketers phone calls. At least I can hang up on them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Dear Sir/Madam I have been a long time Target customer ; I used Target red card to do my purchases. Target used to send me the card statement in a paper format using the US mail. I have never missed or delayed a payment. I decided in XXXX to convert from paper format to an electronic format to save Target paper and money. I made a purchase in XX/XX/XXXX for the amount of {$100.00} never received any email notification to pay the bill. I checked all my email account history including the spam, did not find any correspondence from Target regarding the due balance. However, there were a number of advertising emails I received from Target. The only notification I got was a phone call onXX/XX/XXXX telling me that I have been a few months late and the balance now stands at {$170.00} including {$69.00} late fees and penalties. Target also tarnished my credit score which declined from XXXX to XXXX. I was very disappointed, paid the total balance on the spot, cancelled my account, shredded the card and decided to never buy anything from Target again. I strongly feel that I was mistreated by the Target organization and the action they took against me is unlawful and unjustifiable. Can I seek legal action against Target to restore my credit and to prevent this shameful incident from happening to other people?

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional fixed mortgage) with 1ST PREFERENCE MORTGAGE CORP (MD).
Issue: Settlement process and costs

Complaint: We sold our home in XXXX 2016. Painting on the outside was required. On XXXX XXXX, 2016 the painter completed the work. The lender was advised and they were to send an appraiser out to check the work. Several emails and phone calls later, an appraiser has still not checked the work. The painter has n't been paid and the remainder of our escrow funds have not been released.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (Credit card) with John C. Bonewicz, P.C. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX I received a letter from the law firm of John Bonewicz for demand of a XXXX account that I never opened. 
I wrote them a letter explaining that this debt was not mine and requested verification of the debt and more information about the account in which I never received. 
XX/XX/XXXX I started receiving harassing phone calls from this debt collector on my cell phone ( which to this day I have no idea how they got that number for I never gave it to them ). 
On XX/XX/XXXX I received a letter ( notice to cure ) from the law office of John C. Bonewicz stating that I failed to make the agreed payments and was in default. First off, I never agreed to anything or entered into any type of contract with the law office of John C. Bonewicz or their client XXXX XXXX or the cited original creditor of XXXX. Secondly their citing the date of the last payment was about 4 1/2 years ago and I have never paid anything on this debt. They sent me XXXX different letters XXXX demanding a payment of {$4600.00} and another letter demanding payment of {$1500.00} ( XXXX letters arrived on the same day ). 
I am on XXXX and food stamps and own nothing so even if these debts were mine ( which their not ) I could never come up with that kind of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Synchrony Bank reported that the account was past due ON THE DATE that I made the past due amount ( which technically the payment was scheduled beforehand ) - X/18/2018. The fact that they reported this after or on the day that the account was no longer delinquent expresses vast incompetence on their part and an intentional yet destructive abuse of the reporting system. 

If Synchrony does n't reverse this, I will seek damages as a result of their false reporting. I also know of other members who have reported the same issue with this bank and we are collectively in the beginning stages of considering a class action lawsuit. Cardmembers take false information very seriously, and it will not be tolerated, no matter who you are or what you represent. 

Regards, XXXX XXXX XXXX

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 03/18/2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There was a Federal Tax Lien that was removed in XX/XX/XXXX. XXXX made the correction, as well as XXXX. But Equifax never made the correction. In fact, they got the information from XXXX. I called the IRS and they told me that there is not a Federal Tax Lien! 
Here is the info : Federal Lien Released by Internal Revenue Service ( IRS ) Case Number : XXXX, XXXX Circuit Court Issue Date XX/XX/XXXX Amount : {$3500.00} Release of Lien Date : XX/XX/XXXX XXXX and Equifax are reporting that I have a Federal Tax Lien, but there is no lien! 
The IRS Lien department phone number is XXXX to verify any liens with the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: OCWEN MUST CONDUCT LOAN REVIEW WITH XXXX AND TO FIND OUT HOW TWO ACCOUNTS WITH THE SAME OCWEN LOAN ACCOUNTS NUMBERS ARE ON XXXX CREDIT PROFILES. 

DUPLICATED ACCOUNTS ARE MOST LIKELY THE BUREAUS ERRORS. A AUDIT MUST BE CONDUCTED UNDER THE PRIVACY DECLARATION ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Managing the loan or lease

Complaint: XXXX/XXXX/2015 - Terminated my lease early because I was eligible under the " Pull-Ahead '' program and entered into a new lease. Part of the program was that I do n't have to pay remaining payments, early termination fees, or other fees and taxes. 
XXXX/XXXX/2015 - Received alert from credit bureau that I have defaulted on my auto loan for the terminated lease. I called Hyundai Finance right away and the credit issue has been taken care off. I was told that I was processed incorrectly for the " pull-ahead program '' but that account review is a manual process and it typically takes 30-60 days, and I will hear from them. 
Five ( 5 ) more calls later and after speaking with many individuals in the same department : I have not yet received an update ; the " marketing department '' has to approve it ; there is nobody they can transfer me to or provide contact information for so that I can contact directly ; they will email " the people '' and see " what the hold-up is ''. I have also sent them a certified letter requesting resolution. No response and no update. It has been 4 months since I found out there was an issue. They did move rather swiftly to inaccurately report to the credit bureaus! If they could apply that speed to their customer service and their " recovery '' department. I have also been saddled with excessive wear and tear on a vehicle below mileage limit with not even a scratch or ding.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This judgment is currently being reported to all three credit bureaus by a XXXX PARTY. It is against the law and the Fair Credit Reporting Act for a XXXX party to report a debit. I have reported this to the Georgia Department of Consumer Affairs and have asked for their guidance with this. Equifax refuses to remove the judgment as the information being reported is wrong. The listed amount owed on the report is wrong and the paid amount is wrong. 
The information can be verified by the XXXX County Court House as I was told by them on XXXX different occasions about this debit and was told that a XXXX party ( whom they will not disclose ) comes in and goes through their records and reports the judgments. But not on their behalf but as a private XXXX party company. XXXX County Court does not report any information to credit bureaus and the debit is not being reported by the original creditor. 
I am requesting that this judgment be totally removed from by credit file. The information can be verified at XXXX County Court House XXXX XXXX. Case number XXXX. My credit file was updated to show that the debit was satisfied but after speaking with the XXXX County Court and learning that the information is not reported by them I am asking for it to be removed all together for my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Bank account or service (Savings account) with HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH).
Issue: Problems caused by my funds being low

Complaint: First Merit Bank has charged hundreds of dollars in inactivity fees. Upon realizing this, I decided to make a payment of {$100.00} from the account, which would take the balance down to a minimal amount ( and, presumably, avoid the inactivity fees ). Most recently, XXXX separate inactivity fees - {$35.00} each, {$70.00} total - which hit my account at the same time as the {$100.00} payment I attempted, caused the account to be overdrawn. It does not seem right that they can cause my account to be overdrawn as a result of their fees. Any assistance would be greatly appreciated.

Company response to consumer: Closed with monetary relief