milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX/XXXX/16 i went to an ATM with my prepaid serve AMEX card to withdraw {$20.00} out of my account the ATM did not dispense the money it said transaction error i tried again it gave me the same message i noticed that the money was taken out of my account so i put in a dispute right away with AMEX they refunded the money the next day after that on XXXX/XXXX/16 i received an email saying that they closed the account permanently and the remaining balance will be issued in a check by mail within 7-10 buisness days i have no access to my money i tried to resolve the issue with them but they have no answers when i call i spoke with supervisors they put me on hold and then hang up on me with no explanation as to why they closed the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a collection account with XXXX XXXX for {$300.00} ( Acct # XXXX ) which appears on my Experian Credit Report. This account was paid in full many years ago and it was never updated as paid.

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 03/26/2017 about Credit card () with DISCOVER BANK (FL).
Issue: Other

Complaint: DISCOVER FINANCIAL SERVICES ACCT # XXXX CONTINUES TO LIST ON ALL XXXX CREDIT BUEARUS THIS IS NOT MY ACCOUNT AND NEVER HAS BEEN

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Consumer Loan (Vehicle loan) with CarMax, Inc. (TX).
Issue: Shopping for a loan or lease

Complaint: I went online to XXXX and applied for an auto loan. I received acouple of offers and chose the one that I liked. I chose a company calledXXXX, 72 month term and a 5.99 % interest rate. I have used this companybefore and never had an issue. I previously used a check from this companyto buy a vehicle at CarMax in XXXX, Tx. So I decided I would do the samethis time around. Except when I found a vehicle that I liked at CarMax, they told me they would not accept the check. I called XXXX and theyconfirmed that they have an open business relationship with CarMax andnot sure why they would not accept the check. I then called CarMax foranswers. I spoke to a XXXX XXXX which works in Business Relations andshe told me that she received an email advising that they no longer dobusiness with XXXX as of 2 weeks ago. I honestly think that this is alending tactic to get me to use their in house financing which is at a muchhigher rate of 11.99 % and 12.99 % depending on how long the term is. Canyou please research this and let me know if they are targeting consumers likeme to use their much higher rate in house financing? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: i purchased a car thru capital one finance ... i have already filed a claim and the have responded back from my claim ... .they said the reason i was charged 13 and 1/6th percent is because the loan went over by XXXX ... ..if that was the case why was i not told that why was i not giving the opportunity to accept or decline the new percentage rate ... .why was i not given the opportunity to pay the additional XXXX ... ..why would i allow cap one to charge me 3 percent onto my loan over 6yrs just because the loan went over by XXXX ... ..no one gave me the opportunity to make that decision ... ..noone ever said or explain to me that the reason the interst rate was higher was because the car loan went over by XXXX ... ... cap one can not make that decision for me ... .i should have been given the opportunity to make the decision not cap one ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Below is the letter that was sent to Experian today along with a copy of the CFBP dispute case this is in reference to : " Experian : I ordered my credit report from your bureau and found an inaccuracy I wish to bring to your attention. I previously disputed this directly through Experian and did not get the result I was hoping for. I had to involve the Consumer Financial Protection Bureau to resolve this issue. The CFPB intervened on my behalf and the company that reported incorrect information gave me the attached response through the CFPB website. I opened another official complaint on the CFBP website to address this but am also sending this letter with tracking information to ensure delivery date and time. 
XXXX XXXX which is on my credit report as " XXXX XXXX XXXX '' incorrectly reported an account as charged off and late. After getting the CFPB involved XXXX agreed in XXXX to " reverse the charge off status of the account, and reverse any negative credit marks assessed after XXXX 2013. '' It is now XXXX XXXX and the negative remarks remain and the charge off status remains. 
I request that you honor this company 's request to reverse the charge off status and remove the negative marks as they are incorrect. I have this in writing from XXXX which was provided to me through the CFPB website. '' The CFPB case number in which XXXX agreed to reverse the negative remarks and correct their mistake is : XXXX The CFPB has my authorization to share all the details of this case with Experian to expedite fixing this error. I am also attaching the printed off response from XXXX that was given through the CFPB portal.

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 09/14/2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (GA).
Issue: Incorrect information on your report

Complaint: My divorce was finalized XX/XX/XXXX, Superior Court ordered me to relinquish any ownership of Home to ex-wife who was ordered to take ownership of taxes, mortgage, deed. Wife left mortgage in my name and proceeded with Modification of the mortgage with XXXX XXXX XXXX and Ditech Mortgage. Both entities used my financial and personal information to refinance debt that was her responsibility without any notification to me that this occured. My credit has now been and will be damaged for 40 years ( term of new loans that are 1st and 2nd loans ). My name is on both loans even though I had no right to title or ownership per the court. I will never be able to qualify for any considerable credit, especially a mortgage loan, as this process occurred without my knowledge and without my signature. Transactions occurred from the best of my knowledge in XX/XX/XXXX-XX/XX/XXXX. My credit shows 1st mortgage was closed with no reason given, but also shows 1st and 2nd mortgages still in my name with new terms that were agreed to without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My son received federal student loans while attending college at XXXX State University. The problem is that before the loans went into repayment while he was still attending college, the service provider Nelnet, compounds the interest. This makes it nearly impossible to repay the loan timely and get the principal paid. Last year, he made approximately $ XXXX in payments, and over $ XXXX was interest only. These are ffderal student loans, why does the government take advantage of our students. May be legal, but it 's not ethical. In addition, statements and Nelnet in general is hard to deal with and nearly impossible to get information that makes sense. 

Son # XXXX is currently in college at The University of XXXX, and I 'm trying to make occasional payments to his federal student loans being service by Nelnet. I 've asked that the payments be applied to the interest so that when he begins repaying, the interest burden is n't so bad. Nelnet applies the payment to principal so that they can continue to compound the interest. 

Nelnet statements and information provided about a student loan is very misleading and confusing. 

Please audit and Nelnets practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Medical) with Mountain Land Collections, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Complaint : I have never received a statement from XXXX. I pulled my credit report the other day and noticed that there is a collection account on my credit report that I am very unhappy about. This Collection account reports back to the year 2015. I called XXXX today to discuss this and they could n't even answer my questions. I have no idea who they are. I have never received a statement from them nor have they even contacted me. I need to know what this is all about. I am very upset because this is damaging my credit. I paid them in full since it was a small amount, and ask them if they would remove all negatives on my credit report, with a " office policys say no ''

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Tormey Bewley Corporation (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Collection efforts after debt was discharged in CH-XXXX bankruptcy. Creditor sent debt to XXXX Collection on XXXX. Continued collection efforts, placed deragatory information on me credit report On XX/XX/XXXX and again on XX/XX/XXXX. Information was in VIOLATION of AUTOMATIC STAY US Bankruptcy code. Deragatory remarks must be removed from CRA 's immediately due to being AFTER the Discharge of the debt.

Company response to consumer: Closed
Consumer complaint received 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently paid a debt of {$160.00} from 2012 against my principles to the XXXX XXXX of properties, specifically the XXXX at XXXX XXXX. The reason for this charge was because they raised my rent, converting me to a month-to-month lease while I was on XXXX XXXX with the XXXX XXXX stationed at XXXX XXXX, MD. I was in the XXXX Transition Unit at the time, recovering from XXXX. My orders were modified three different times, altering my discharge date. I informed the front office of this and provided a copy of the orders. I offered to sign a lease, but was told it was n't necessary since I was in the military. Later, the property manager informed me that since I had not renewed a lease that I was to be placed on a month to month basis at a higher rate. I informed her at the time that I offered to sign a lease but was told it was n't necessary. This debt still exists because I do not agree with this business practice. I have certainly had the means to pay, but I felt it was wrong and also it is in direct violation of the Servicemans Civil Relief Act, which is supposed to prevent companies like XXXX from taking advantage of military members that are being housed temporarily due to military service. Unfortunately, my financial well-being has been damaged for too long as a result of this, so I am reluctantly paying the {$160.00}. I 've reported this behavior previously without it being resolved. The XXXX XXXX should be ashamed to earn money in this bait-and-switch fashion. In my opinion they should be investigated ; violations of SCRA are criminal penalties. Taking advantage of members of the military is about as low as it gets.

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 04/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid & account closed via XXXX.

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 Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, I contacted Freedom Mortgage because my husband and I had found ourselves in a financial hardship due to a tax debt that we owed to the government. As of XX/XX/XXXX, our loan with Freedom Mortgage was completely current and not in default in any way. We were advised to apply for loss mitigation. On XX/XX/XXXX, we sent in our first loss mitigation application. On XX/XX/XXXX, we were notified via USPS letter, that our application had been received by Freedom Mortgage and was facially complete. On XX/XX/XXXX, a single point of contact was assigned to our account by Freedom Mortgage. On XX/XX/XXXX, we were notified via USPS letter, that our application had been approved for a FHA Home Affordable Modification Program. We were told by Freedom Mortgage that we should no longer make our contractual payment if we wanted to participate in the 4 month trial period payment plan. If we made our trial payments in the months that they were due for the duration of the trial period, then our loan would be permanently modified. We made our first trial period payment in XX/XX/XXXX and made subsequent payments for XXXX and XXXX. On XX/XX/XXXX, Freedom Mortgage sent us a letter informing us that our application for loss mitigation had been denied because our loan did not meet FHA seasoning requirements. When we originally applied for loss mitigation in XXXX, Freedom Mortgage knew but chose not to disclose, that our loan did not meet FHA seasoning requirements. They fraudulently approved us for a loan modification program even though they knew we were not eligible for the program. They processed 3 of our 4 trial period payments. Our loan is now in default and we are behind over {$8000.00}. Freedom Mortgage representative, XXXX, communicated to me on a recorded call that this was an error made by the under writers. She also confirmed that Freedom Mortgage, its representatives and under writers are fully aware of FHA seasoning requirements and are also aware of a clients loan history prior to an application for loss mitigation. She agreed that Freedom Mortgage approved us for a program that we did not qualify for. Freedom Mortgage has been unwilling to resolve this matter for my husband and I. We started this process with good credit and a current loan and now our credit is marred and our loan is in default.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Unable to obtain a copy of 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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: The credit bureaus have not investigated and removed my fraudulent accounts that is a result of identity theft on my credit file

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Interest Smart Home Loans (NM).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Many residents in our neighborhood are being inundated with mortgage refinance offers by out of state firms. When I agreed to allow Interest Smart to pull my credit report to see what rate/benefits I would qualify for, I was told the pull would not be a 'hard ' pull, which defines inquiries that remain on XXXX 's report for 2 years and affects credit scores. As it turns out, my current mortgage is best for me and no services from Interest Smart were needed. 

In contradiction to what the mortgage officer 's assistant XXXX told me, when I received a credit report copy, it disclosed not XXXX, but XXXX hard pulls that will stay on my record for 2 years and potentially affect my credit score. On XXXX XXXX, I remitted an email to loan officer XXXX requesting these inquiries be adjusted to XXXX 'soft ' inquiry ( those that do NOT affect credit score that most existing creditors, employers and insurance companies utilize ). To date, I have not received a response from anyone at Interest Smart. 

As you know, most seniors experience a significant reduction in income upon retirement, so it is critically important that unnecessary and unwarranted 'hard ' credit inquires be limited in event of potential future mortgage needs.

Company response to consumer: Untimely response
Consumer complaint received 02/26/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: Currently I have an adjustable rate mortgage on my condo with Mr. Cooper. I want to know who is the investor/owner of my mortgage. The reason is that I need permission to move my condo into my revocable trust. 
Starting in XXXX, I placed several calls to Mr. Cooper. Supervisors were evasive and didn't want to give me any information about the mortgage owner or whether I could move my condo into the revocable trust. My attorney at XXXX and XXXX told me I needed permission from the mortgage holder to do so. In mid XXXX, a supervisor told me to email " XXXX '' to get the info. I did so twice and didn't hear from Mr. Cooper. About XX/XX/XXXX, I spoke to XXXX XXXX XXXX who identified the owner of the mortgage by the code- XXXX. He understood what I wanted, and said he would see if it was possible for me to move my condo into the trust. He gave me his email address, " XXXX '' or XXXX. I wrote to XXXX twice, the last email was XX/XX/XXXX. I have not heard from him. When I last spoke to XXXX, he told me he saw that all my calls were noted as well as my email attempts. I need your help to get my info and move this along.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I had a Court name change on XX/XX/2016. On XX/XX/2016 I tried to get a car loan and was informed that my credit was locked by EQUIFAX. I made a call to Equifax, the reason was my name did not match my XXXX. I faxed the required Documents requested, and was told XXXX to XXXX hours. on XX/XX/2016 credit still locked, refaxed. Finally on XX/XX/2016 I called again ( XXXX call ) They had received my documents, and updated my new name as I waited on the phone. THEN IWAS TOLD IT MAY TAKE UP TO XXXX DAY TO UPDATE IN THE SYSTEM. In this age this is not right. 
I am now XXXX week with out a car, and still waiting, because of Equifax. 
NOTE : XXXX and Experian already show my name change.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed on my XXXX report that there are multiple inquiries that were not authorized by me. Here are the inquiries. 1 : XXXX XXXX on XX/XX/XXXX 2 : XXXX XXXX on XX/XX/XXXX 3 : XXXX on XX/XX/XXXX 4 : XXXX XXXX XX/XX/XXXX 5 : XXXX on XX/XX/XXXX 6 : XXXX on XX/XX/XXXX 7 : XXXX on XX/XX/XXXX 8 : XXXX on XX/XX/XXXX I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.

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 08-03-2015 about Mortgage (Home equity loan or line of credit) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: After three attempts to refinance a balloon HELOC that comes due and payable in XXXX XXXX we have been denied any modification on our 2nd mortgage. We have attempted to ask for modification XXXX before and after an eminent bankruptcy in an attempt to keep our home. When starting a XXXX in XXXX XXXX it was recommended to us by an XXXX Bank that we should use the equity in our home as a XXXX loan in lieu of applying for an XXXX loan. The loan is written as a true balloon that comes due and payable in XXXX XXXX. It is our understanding that it is now illegal to write a balloon such as this. Through tough economical times we have lost our XXXX and are having difficulty paying the HELOC as a result. XXXX The XXXX always paid the HELOC ) Knowing we were faced with an eminent BK we first reached out to ask for a refi in XXXX XXXX with a different lender but were unable to be approved because WaFed was unable to release our credit rating to the repositories. WaFed had taken over the book of business after XXXX XXXX ( the original lender ) was taken over by the FDIC. By XXXX of XXXX, knowing BK was eminent, we applied for a modification with WaFed asking for help and fully disclosing the BK but were declined. We filed XXXX in XXXX XXXX. In XXXX XXXX, we once again contacted WaFed and asked if they would be able to help us modify our HELOC now that the BK would be discharged and released and were told that they would not be willing to work with us and that we should contact our attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have tried to get All XXXX of the credit reporting company to fix my credit. 
I get NO response. Most of report is incorrect. And some was identify theft. 

I have written letters, received all XXXX of credit reports, and sent them my new information, as well as disputed what was wrong for all XXXX. 

No one is doing anything.

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