milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In or around XX/XX/XXXX, my former JC Penney credit card account was turned over to XXXX XXXX XXXX, a Debt Buyer in XXXX, VA. 

XXXX XXXX began reporting this alleged XXXX XXXX to all national credit bureaus, in or around XX/XX/XXXX. 

XXXX XXXX blatantly misrepresented this alleged Matter from the very beginning, by reporting it as a Brand-new Collection Account, each and every month. 

They did this in : XX/XX/XXXX/XX/XX/XXXX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ; then, in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. 

As XXXX XXXX is a Collection Agency to begin with, if an account is with their office, then it is automatically a Collection Account. 

Reporting the Collection Account as being a Brand-new Collection each and every month is a blatant misrepresentation of factual credit account activity, and an attempt to make XXXX types of negative reporting 's, on the same account, at the same time. 

Following my Disputes regarding this Matter with numerous Consumer agencies, I observed that Experian, as of XX/XX/XXXX, removed the inappropriate reporting 's of " Collection '' from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX reporting 's removed. 

However, XXXX continues to report ( as well as inappropriately reports ) this same Matter as being a Brand-new Collection as of XX/XX/XXXX. 

This is a lie. 

If XXXX reported this was a Brand-new Collection beginning in XX/XX/XXXX ( 11 months ago ), IT IS NOT a Brand-new collection almost one year later, in XX/XX/XXXX. 

This is nothing more than an underhanded maneuver by XXXX XXXX to " update '' this alleged Matter by XXXX year, thereby significantly increasing the negative effect on my credit scores. 

Further, as XXXX XXXX has removed the XXXX ( XXXX ) highly inappropriate reporting 's following my Disputes of this Matter, this would clearly indicate that the prior reporting by XXXX XXXX was in fact inappropriate ; that is why they removed it. 

This would bring significant doubt as to the credibility of XXXX XXXX, and their credit reporting, as a whole. 

Last but not least, XXXX XXXX reports an alleged balance of {$2000.00} owing on this alleged Collection account, to XXXX. 

However, at XXXX, an alleged balance of approximately {$1400.00} is reported ; a difference of nearly seven hundred dollars. 

This represents a very significant discrepancy in credit reporting between XXXX different bureaus, by the same alleged creditor. 

Given the multiple occurrences of contradictions and discrepancies in their reporting of this alleged Matter, I respectfully request this Matter be fully removed from all major credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (FL).
Issue: Taking out the loan or lease

Complaint: My wife and I went into Ashley Furniture in XXXX Florida town center. They approved both of us for a loan for {$1600.00} a piece. We picked out bedroom furniture and a mattress and put down {$1500.00}. We signed the papers and went home. A couple of weeks later we got a letter in the mail stating we only got approved for {$1500.00} a piece. I called and they told me to wait till the furniture was delivered in a few months so the account would show the difference. I wanted to cancel and was told it would be a {$1200.00} restocking fee.I told the manager why would I pay {$1500.00} dollars and get approved for {$1600.00} only to get my furniture delivered and be in the hole. I would of never walked out of the store knowing that. I wouldnt of signed the papers and went else where. It also showed up as over the limit on our accounts. l told them it would and hurt mine and my wifes credit. I cant believe they do people like that. I have been working on my credit for a few years to get an over the limit action on our account that isnt our fault. I feel Ashley Furniture was very deceiving in how they done us and its unfair to be treated like that. I knew once the payments where due on t h e accounts I wouldnt have enough money to pay the over the limit fee and both our monthly payments. I did pay our agreed amount and was jacked with an over the limit. I would of never in my right mind sign up for something like that. Please help me stop the big corporate guys from misleading hard working people.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HONOR FINANCE, LLC (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the balance with   XXXX   and Honor  Finance s everal times. My balance for a vehicle that was included in bankruptcy is still showing as  XXXX . My balance should be {$0.00} due to discharge of a bankruptcy where the the balance of this vehicle was included. I am requesting them to update this amount to {$0.00} immediately it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I discovered that a bill that I had paid in XXXX of 2016 was still showing on my credit reports as active and uncollected with Credit Collections USA. I called the original creditor ( whom I had paid ) and they advised that they had conacted the collector to withdraw the collections. I filed a dispute with XXXX and the collector had affirmed the debt was still active. I then called the colector who hassled me until I started a XXXX way call with the original creditor. Duing this conversation, I requested that my credit reporting be retroactively updated to show that I had paid the account off over a year ago : CCU refused to do this and claims that they can not due this. CCU has ignored their client 's and my requests, and refuses to rectify the damage that they have caused to my credit. I am a young professional looking to purchase a vehicle soon, and I feel that CCU 's deliberate and damaging actions are holding me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was leaked due to negligent care taken to protect sensitive customer records. As a result I have had at least one fraudulent account opened in my name and now need to check constantly for additional cases of fraud. Equifax failed their duty to customers and this case of gross negligence is absolutely unacceptable for a company of their size and stature.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Vehicle loan or lease (Loan) with American International Finance, Inc. (IN).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: I put XXXX down on a XXXX vehicle 3 weeks ago and they will not give me my full down payment back. They took my car without warning a few days ago. The manager refused to take my car payment. It was less than 24 hours since the payment was due. The so called manager said she closed my account because she said she did n't like my attitude and wanted her car back. The finance company is very rude and unprofessional. XXXX and XXXX do not have any type of integrity or heart for human beings. Nice cars, but the company that owns them are something else. I told them I was an identity theft victim and XXXX told me that was my fault. I was Called a liar. I kept getting cut off and told over and over they do n't care. They are so heartless. This is the worst decision I have ever made. They give a 0 day grace period no matter the situation. I have never been treated The way I was by a company this past weekend. I fell into tears. Carplex needs a new bank to work with before they lose all of their good customers. Run from this bank!

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 05-09-2017 about Debt collection (Credit card debt) with Moss Law Firm, P.C. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  XXXX   XXXX ,   XXXX  , I received a letter dated  XXXX   XXXX ,   XXXX  , from Moss Law Firm , P.C . attempting to collect an alleged debt which they claim I owed to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . The letter claimed that failure to dispute the debt within 30 days would result in an assumption that " the debt is valid ''.     On  XXXX   XXXX ,  XXXX , I sent to Moss Law Firm, P.C., via Certified Mail Return Receipt Requested, a letter demanding strict proof in the form of my actual signature on an application for credit and/or an agreement for credit. The letter was delivered to Moss Law Firm , P.C . on  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX  , Moss Law Firm , P.C . sent me a letter stating that they had " not had sufficient time to investigate this matter and were unable to verify the debt at this time. '' That letter arrived  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX  , I pulled each of my  XXXX  credit reports and noticed that the alleged debt had not been marked as " disputed '' under the requirements of the Fair Debt Collection Practices Act and Fair Credit Reporting Act, as well as the laws of the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Loan servicing, payments, escrow account

Complaint: We sent wire transfer payment, through XXXX XXXX XXXX for our mortgage payment in the amount of {$2500.00} on XXXX XXXX, 2015. The payment was rejected by NationStar Mortgage. We called NationStar Mortgage and spoke to upper manager XXXX XXXX ext. XXXX. He assured me that if I sent a new wire transfer, Monday XXXX XXXX, 2015, that it would go through without a problem. I followed his exact instructions and on Saturday, XXXX XXXX, 2015 I checked my bank account and they have rejected our payment a second time this month. They are closed today, since it is Sunday. We are simply trying to pay our mortgage and NationStar is not allowing us to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home with XXXX XXXX. 
Green tree asked for 2 months of interest as well as 2 months of mortgage insurance to close my loan. 

They had XXXX in my escrow account at the time. 

Asking XXXX to close a loan, when you really only need XXXX ( interest ) makes it almost impossible for someone to be able to get the cash together to close on a refinance. They actually try to trap you with them as your mortgage holder. 

They also told me ( despite the proof of wire xfer ) that they had not received my money on Friday from the escrow company. 

Paying ANY mortgage insurance upfront is unnecessary as they have a balance in the account and will not be paying any future MI on my behalf. It is just a ruse to be able to float my money. 

First rep said they would refund me in 5-7 business days. Another one said 14 business days. Now it is 30 business days. No one would give it to me in writing. 

How are they able to behave this way? 

Forwarding to them will be useless - they are useless and nasty on the phone. And they lie. 
in 30 days someone will respond and say " we are looking into your request '' in a generic, boilerplate letter, with no contact information other than the XXXX number where you get nasty people. 

Go ahead and submit to them. I have refinanced, and I will do my best to bring any legal action against them that I can. Worst loan servicer ... Ever ... Nasty, unscrupulous and they lie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Other

Complaint: PAYMENT ALLOCATION VIOLATION : I spoke with XXXX USAA representatives yesterday and sent them a message about my credit card payments not being applied in accordance with USAA 's credit card agreement nor by the Credit Card Act of 2009 which requires payments above the minimum payment to be applied to the balance with the highest interest rate/APR until the payment/balance is exhausted. I got XXXX separate answers from the representatives, XXXX in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have an open complaint against XXXX XXXX, reference # XXXX. 

However, I now have a new issue. Please see the relevant portion of the copied and pasted conversation I had with XXXX XXXX 's chat service today : " XXXX : I 'm writing to confirm that XXXX XXXX has recalculated my income correctly, and to ask what the monthly payment will be moving forward. 
XXXX : I am currently working on your request, sorry for the delay. 
XXXX : OK XXXX : Right now, your account is currently past due by 3 days for {$39.00}. We also report the status of your loans to the consumer reporting agencies each month. 
Your request for the Pay-As-You-Earn Repayment plan was approved. Your first monthly payment of {$39.00} on the new plan is due on XXXX XXXX, XXXX. The approval letter was sent to you on XXXX XXXX, XXXX, which can be found in your Paperless Inbox. 



To remain on this plan, you must recertify each year. A reminder will be sent to you a few months before your current annual period ends. 



XXXX : Yeah no ... I called over a month ago and was informed that that payment was incorrect. I submitted additional documentation of my income and was told that my monthly payments would increase to around {$350.00}. But in the meantime I needed to pay the {$39.00} payment in XXXX which I did, and that payment would count toward the Public Service Loan Forgiveness program. 
XXXX : I am currently working on your request, sorry for the delay. 
XXXX : I see no open tasks in relation to your current payment amount. If you would like us to review the amount you may submit for a Recalculation of your Income-Driven Repayment Plan. 
XXXX : Of course. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2016 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: APR or interest rate

Complaint: on my credit card statement it has your NEW BALANCE with interest & any new purchases. I paid the whole thing off, {$23000.00} .A few days later I got another statement saying I owed more interest. I called Chase & they told me I owed more? I filed a complaint with the XXXX & XXXX Office. Chase called me & sent my card holders agreement. I read this & no place on it does it have if you pay the New Balance off in full

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2017 about Vehicle loan or lease (Lease) with FORD MOTOR CREDIT CO. (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: Many weeks ago, an individual named XXXX from Ford Motor Credit called about another individual 's account and did n't say why she was calling. I told her it 's probably illegal for her to be calling me and told her not to call again. She called me again minutes ago. I 'm pretty sure that 's harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (WA).
Issue: Loan servicing, payments, escrow account

Complaint: This is regarding case # XXXX. I am submitting a new complaint because I have acquired my own evidence that US Bank owes me a reimbursement. I requested my PMI to be removed once I met the qualifications and they did not remove it automatically as the attached documentation from the FHA/HUD specifies to do. Thus, they owe me the amount of PMI I overpaid from XXXX 2016 to XXXX 2016. 

It is disheartening that I specifically requested US Bank to provide documentation from the FHA that spoke to this yet they continued to send me their own interpretation and it was incorrect. I am tired of consumers being treated this way by these large organizations.

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 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This agency is attempting to collect a debt that is fraudulent from XXXX that i have ocular proof of fraud and have filed a complaint with the FTC on this fraudulent activity on XXXX and a previous debt collector and now XXXX has sold the debt as if it is valid and not corrected the fraudulent charges which were specifically prohibited by the signed contract XXXX XXXX 2009. This new agency has reported this issue as a new and valid debt and I have no contract with this agency. I have not been notified of any debt by this agency and I do not have any business with this company and refuse to do business with anyone who presents fraudulent charges as true. I never contracted with this company and have no business with them and do not intend to do business with any company that partakes in fraud by passing debt that has been proven to be fraudulent XXXX was the original creditor but they were advised and shown the fraudulent and false activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Performance Settlement, LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I got a call from Perfmance SLC saying that they could get my student loans payments smaller or even forgiven. So they set up an automatic payment to be taken out of my bank account each month and the last two months they have taken {$100.00} out of my account but did not pay it towards my student loans like they said. They did however sign me up to get my loans consolidated, so they could keep taking money out of my account without ever being caught. I would like to try and get if not all but at least some of my money back for I am unemployed at the money and every little bit of money helps.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Payday loan () with Stellar Recovery, Inc. (FL).
Issue: Can't contact lender

Complaint: I need to know about this charge for {$300.00} on my credit report and need to remove it. This is effecting my security clearance with 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 02-05-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Closing on a mortgage

Complaint: I closed on a mortgage with XXXX XXXX XXXX XX/XX/XXXX that required PMI to be included. I was told to have the home re-appraised in 6 months to have the PMI cancelled. Just after closing, the mortgage was sold to Wells Fargo. Subsequently, I remodeled the entire interior of the home, bathrooms, kitchen, plumbing, etc.as well as new carpet and paint the whole house. I had the home re- appraised in XX/XX/XXXX which resulted in 79 % Loan to Value Ratio according to Wells Fargo . ( remodel was mentioned in the new appraisal ). XX/XX/XXXX, I receive a letter from Wells Fargo reading, even though your loan does meet the LTV ratio requirement indicated above ... ..you need to take additional steps to cancel your PMI .... send us receipts of structural improvements only or a check for {$32000.00}. The supervisor I later talked to said none of the remodeling I did was considered structural therefore does not count. 
The house originally went on the market for {$320000.00}. I purchased it for {$280000.00}. The original loan amount was {$250000.00} ( 90 % LTV ). 
The supervisor I talked to today, said it doesn't matter if the house is worth more, only if there are structural improvements or not.

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 08-02-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: after i closed the complain about chase auto ..i sign a settlement chase will be rein verse XXXX for fixed the car..who the transporter broken..so the settlements say after i sign the agreement between them and myself in XXXX XXXX2017 and faxed to chase.and speak with corporation XXXX XXXX ... the settlement said they will be sending me the check..today is almost 4 business day pass already and i still asking frame time to receive the check to fixed the car..today i was speaking with ornan and leaving voice mail to corporation agent XXXX XXXX and no one answer me..so one of the customer service explain ... they chase is intermediate agent due the transporter working for them..so until today no one answer me any phone call..and still waited for the check..only XXXX know what going on..so i need help please to clarify this manner..promise, promise is already 7 week since the chase broke my car thru the re position carrier XXXX XXXX California..i call them in XXXX XXXX but no one answer is voice machine messages ... also chase doesnt want release the car title i asking auto recording my print out since i get the loan all my payment if you can see my car was charge off in XXXX2017 {$2100.00} so..if you seen still reflect the {$2300.00} i already paid for..could you explain me? still said i owned tjhem {$590.00} dollar until i paid the chase will be release my title which is not fair

Company response to consumer: Closed with monetary relief