milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: I entered into a mortgage loan agreement with  XXXX   XXXX ,  XXXX  on  XXXX / XXXX / XXXX . In  XXXX  of  XXXX , the loan servicer was switched to  XXXX   XXXX . In  XXXX  of  XXXX , the loan servicer was switched again to LoanCare , LLC. I was notified of the switch via mail on  XXXX   XXXX ,  XXXX . During the most recent switch, LoanCare , LLC lost track of an {$850.00} payment which I made on  XXXX   XXXX ,  XXXX .     I have been making bimonthly payments on the Mortgage each month since the loan agreement was signed. The Mortgage clearly states that the following in  Article 4 : " 4. BO RROWER 'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due ... I may make a full Prepayment or partial Prepayment without paying a Prepayment charge. '' This is printed on pag e 1 of 3 of the Mortgage agreement. It is literally on the face of the Note. When investigating the missing { $850.00} payment, LoanCare , LLC informed me that they do not accept partial payment. I am requesting assistance with the following   two items : 1. Enforcing specific performance on LoanCare , LLC, so that they honor the terms of the contract and accept partial payment.
2. Ensuring that LoanCare , LLC recognizes all former payments for the Mortgage, including the {$850.0  0} made, and accepted, on  XXXX   XXXX ,  XXXX , to be applied to  XXXX   XXXX .     As you know, contract law allows for the sale and transfer of a contract, such as a Mortgage. While transfer of a contract is acceptable, it does not allow the purchasing party to unilaterally change the terms of the contract. The purchasing party is still bound by the terms of the contract, as is the counterparty, myself.     Thank you for your assistance.     Sincerely,  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 explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed unauthorized inquiries on my credit report. The inquiries are listed below : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Thank you

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 02/23/2016 about Debt collection (Medical) with LJ Ross Associates (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: There try to collect a debt from XX/XX/XXXX from XXXX XXXX in the amount of {$280.00} .In XX/XX/XXXX hired a attorney to represent me and they ( My attorney ) are trying to collect for the collection agency. This debt is clearly pass statutory of limitations, So it should n't have been on my record let alone shared with this attorney.This is a Fraudulent act on both parties, Reporting attorney to the attorney grievance community currently in court about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I recently applied to obtain my free credit report and I was told that I have already oreded one. That is untrue I have never ordered one for 2015. I suspect fraudulefraud on my account with ExperianI suspect someone made inquiries without my authorization

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2015 about Payday loan () with USA CASH SERVICES OF UTAH, INC. (NV).
Issue: Can't stop charges to bank account

Complaint: My bank said I had Id theft so my payday loan fee was returned in XXXX, happened again in XXXX. The loan company said they would put me on a repayment plan starting XXXX XXXX 2015 I said ok. on XXXX XXXX 2015 Usacashservices.com took XXXX dollars out of my checking account causing other items to bounce. I called them to ask why when the payment was to be on payment plan XXXX monthly ( XXXX way too high still XXXX they told me just to take out another loan. I do not have computer at home so I had to walk over a mile in XXXX de heat XXXX. I panic so I applied like a dummy. now I am back into oweing interest I can not afford since it will take months to recover from money lost from id theft. is there a way to make them let me make payment. what they would loan me was less than what was needed to pay the bills and the fees the bank charged me so it was very little help and left me another XXXX in debt. with them your loan does not go bad until you miss 2 payments so you owe 2 fees of XXXX plus 2 months interest. so basically double of what you borrowed. they knew a month before I was fighting the bank. the only way out is to freeze their interest I just keep owing them more than I can pay. 
I owed them almost XXXX a sec after getting loan of XXXX so they were just ripping me off. I XXXX walking to use a computer for them and have not been able to walk to a computer since then.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from XXXX XXXX XXXX on XXXX XXXX, 2015. My vehicle was financed with Santander consumer. Upon signing my contract an extended warranty was purchased for {$2000.00} dollars. Two days later I was rear ended. A total loss. On XXXX XXXX, 2015 I asked that the warranty be cancelled with XXXX. This company has given me the run around since signing the cancellation request form. On XXXX XXXX, 2015 I called Santander consumer to see if my warranty was cancelled so that my remaining balance of {$85.00} is paid in full. XXXX has paid thier half in the amount of {$11000.00}. Santander consumer stated I had to wait for XXXX to send them {$640.00} and for the dealership to send {$1300.00} in order for my refund to pay the remaining balance in full, and any money or monies would be refunded to me. First, off the dealership has no right to the extended warranty refund when it was purchased, and added to my contract. Second, why must I wait for Santander consumer to process my refund when my cancellation request form was signed on XXXX XXXX, 2015. This fraudulent business tactic is only making my CREDIT suffer. The credit I have tried so hard to achieve. There is no reason for Santander consumer to prolong the process when they have given me the deadline of XXXX XXXX, 2015 to have all monies paid in full. I would like to be treated fairly and have this matter resolved ASAP. There 's no reason for me to wait any longer, since I have waited long enough. I want my balance to be paid with the refund from my warranty in full on or before the deadline. And the rest refunded back to me. So that this fraudulent behavior does n't cost me my CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I called TransUnion to have inquires removed that were not requested by me. I was told that I was unable to do so. After researching, I found that inaccurate information reported should be removed within 30 days if they are unable to validate it. I called TransUnion again today, XX/XX/XXXX and spoke to a rep that was found outside of the U.S. I again tried to dispute/delete the inquires that did not belong to me and the rep told me that I am unable to dispute or remove them for 2 years. I explained that it was inaccurate information that was reporting to my credit report and he again said that I had to wait 2 years for them to be removed. The rep then asked me if any of the collection accounts were not mine. I explained that I was not calling about any of the accounts listed as collection or open on my credit report and that I was calling because there were several inquires from companies I did not agree to or approve of. The following companies are those which need to be removed : XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX The rep refused to dispute or remove the inquires.

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX 2012 Capital One reported to all 3 credit reporting agencies a 30 day late payment inaccurately. I am asking this to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Mortgage (FHA mortgage) with Secure One Capital Corporation (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX we closed escrow for FHA loan. During the loan application process I informed the loan officer of a dismissed Chapter XXXX in XX/XX/XXXX. Kindly enlighten me if I should have been given conventional loan instead. I am unclear of waiting period for a dismissed Chapter XXXX. I have the entire loan package signed on XX/XX/XXXX for your review for any fraudulent activity. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complaint involves a  XXXX   XXXX  card with  XXXX   XXXX  or  XXXX   XXXX . I made timely payments online and paid off the remaining balance. However, beginning on  XXXX   2015, I  have allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other  XXXX   XXXX  and   XXXX   cards in the past and successfully paid them off.

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 02/17/2018 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (AZ).
Issue: Trouble during payment process

Complaint: I have paid PMI for 4 years 11 months and would like to have the PMI removed once the 5yr requirement is up. Our closing date was XX/XX/XXXX. Since XX/XX/XXXX our builder XXXX XXXX  has raised the base price of our model. The new base price would put us at the required 78 LTV ratio for PMI removal. XXXX XXXX preferred lender Stearns Lending says that to remove PMI the LTV is based on the original XX/XX/XXXX appraisal. Is this true and final?

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 01/19/2016 about Mortgage (FHA mortgage) with Common Wealth Mortgage Services (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a fixed FHA mortgage XX/XX/XXXX with a payment of approximately {$1500.00} per month. XX/XX/XXXX I was notified by the mortgage company of an escrow shortage due to the facts according to mortgage company the property taxes had been initially incorrectly calculated upon my obtaining the mortgage. Taxes and insurance are impounded with mortgage payment. Due to being on a fixed income I was unable to pay shortage so the mortgage payment was increased to {$1800.00} per month XX/XX/XXXX. I looked at my account recently and the mortgage payment is schedule to increase to {$1900.00} per month beginning XX/XX/XXXX and I am unable to refinance either Streamline or otherwise at this time without having to bring in upwards of {$6000.00} to do so. Mind you this was supposed to be a fixed rate mortgage so I wondering what rights do I have to protest these increases as the miscalculations of property taxes was not my fault but I am suffering due to the mistakes of my mortgage company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A credit card was opened up in my name using CBNA. I believe it is a store credit card through Best Buy. The card was opened on   XX/XX/XXXX .  I did not open this credit card and want it removed from my credit report and closed immediately.

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 12/16/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CURO Intermediate Holdings (TN).
Issue: Problem when making payments

Complaint: I had a debit card on file for a line of credit @ XXXX XXXX in XXXX Tennessee.I become behind & they called and explained that it didnt go thru on my card.They then told me to pay in person what was owed..in the meanwhile they took TWO payments out of my acct then attempted another..When i addressed this.They sd they can pull the payments whenever they chose to since it was now behind. Now my acct is minus bc of not knowing the Exact day it was coming out plus they sent more then one payment thru along with my other bills trying to go thru. My acct is now minus and i accumulated all kinds of fee for overdrawing ect..Again this was in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had XXXX different loans under XXXX different accounts through Great Lakes. My beginning balance was {$26000.00} over those XXXX loans. I recently consolidated the XXXX accounts for ease of convenience in paying them off, and to adjust my interest rate. By doing so, my credit score took a XXXX point hit through XXXX. My loans are now being reported with a beginning balance of {$21000.00}, not reflecting the almost {$5000.00} I 've already paid down on them. My installment balances are now calculating at XXXX % of the loaned amount instead of giving me credit for paying down XXXX % of my loans. I believe they should still report the beginning balance as {$26000.00} instead of my current balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (I do not know) with I.C. System, Inc. (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Good day, I never received any mail, or any notice of this alleged debt. I have continued to request for verification and validation of this debt but to no avail. This company continue to contact me and harass me at work and home with threats of jai l ( Attachment Warrant ) this i s the last communication i had with them. This debt is not mind, i have never had a contract with this company.

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 05/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: ID Theft was used to open a fraudulent account with XXXX XXXX. the person paid for awhile then stopped, so XXXX XXXX turned it over to Amsher Collection Services. I provided all the required paperwork ( police report, FTC affidavit, etc ) to XXXX XXXX to verify it was not me ( especially since the TV service was in a state I have never lived in! ). XXXX XXXX provided me a letter stating their investigation confirms I am not responsible for the account. When I filed a dispute with XXXX five months later ( since Amsher STILL had not removed the item ), even supplying the credit bureau with a copy of the XXXX letter stating I was not liable for the account. Amsher Collection Services refused to remove the item from my credit report and will not change it. It makes no sense. The company that turned the debt over to Amsher Collection Services admits the account was set up fraudulently, but yet Amsher Collection Services refuses to remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Payday loan () with LDF Holdings, LLC (OK).
Issue: Received a loan I didn't apply for

Complaint: I received a bank statement in the mail for an account I have n't used in over 3 years. I did not apply for any payday loan. had no idea that bank account was still open. 

How could they have done that? I did not agree to anything did not sin anything. I want that money reversed and given back! 

It was an ACH from Radiant Cash on XXXX/XXXX/16 for {$500.00}. 

Please help with this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I discovered XXXX XXXX under account numbers XXXX re-aged and re-inserted into my credit file. The accounts were originally DELETED on XX/XX/XXXX and XX/XX/2017. Transunion was required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (NY).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I am trying to close my Webster bank account. It had {$10000.00} in it. I transferred the {$10000.00} out and the transfer finalized on XX/XX/XXXX. There was {$0.00} left in the account. Once I confirmed the transfer went through on XX/XX/XXXX I requested the account to be closed. However, on XX/XX/XXXX they charged me with a {$21.00} monthly maintenance fee because I had less than {$10000.00} average daily balance for my statement closing on XX/XX/XXXX. Now Webster is telling me they ca n't close the account cause there is a negative balance. I simply transferred the money out of the account with the intention of closing the account once the transfer was finalized. Tried calling up two times and they refuse to waive the fee or  close the account since it 's negative. <P/>This is a round about way of charging me a fee to close my account. Very wrong. Asked to speak to a supervisor, said there are none available. <P/>Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: CapitalOne charged me an annual fee in XXXX on a card I no longer used. When speaking the Customer Service they stated they would waive the fee. When I explained I no longer used the card and would like it canceled the Customer Service member explained she can waive all fees so that I can keep the account. 

I was notified XXXX XXXX, XXXX that I has an overdue balance on my CapitalOne account. When I called I was told it was the annual fee and two late fees for not paying the balance. When I explained I do n't use the account and that I have n't even activated the credit card for that account and that I was told in XXXX that I would not be charged for this account as I did n't use it. They said sorry for the miscommunication but that they are going to charge me the annual fee again, and two late fees and report on my credit report the late payments. 

I explained I did not want the card, I did not activate the card so how can I be charge for a product that I did not use or activate. They stated there was nothing they could do.

Company response to consumer: Closed with explanation