milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Tower loan company came to my home and a friend was aty house and answered my door and told them I was not home. They told him that my account was past due and I must pay immediately. They should n't have talked to anyone about my loan. They call my friends and family every day and call me at least XXXX times a day. This is very unprofessional and borderline harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (MT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We have been getting robocalls from Naviant every evening at the same time XXXX. Asking us to call XXXX number. Returned call once ..was told we have been listed as reference on a student loan app ..told them we knew of no such app. For a while got message threatening vague legal action in reference to a person we have never heard of. Would like calls to stop and Naviant to be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to annualcreditreport.com to get my free credit reports from XXXX agencies. I got an error message from Experian saying they were unable to provide the report online and that I should request it via phone or mail. After multiple tries on multiple days, I finally went to there site and was able to pay for my credit report online. I find it troubling that the free but legally mandated service is unable to provide me with easy access to the report, but that I can pay for it. Furthermore, when I tried to report this problem on the annualcreditreport.com site, I could not get past step two of three. Step 2 requires two multiple choice selections, which I made, as well as a written response in the " tell us more ... '' section. After trying multiple ways of filling the form out, I kept getting an error message that " Tell us more is invalid. Please try again. '' and could not make it past this page to submit my issue. There was no further contact information beyond a mailing address on the site.

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 12-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other

Complaint: I am writing to dispute an investigation error by American Express in the amount of {$8000.00} on my account. The seller, XXXX XXXX XXXX XXXX XXXX XXXX, charged me for XXXX item and delivered WRONG/DAMAGED item. When my order was delivered to my XXXX, New Jersey home on XXXX XXXX, 2015, XXXX was immediately advised XXXX that the wrong dining room table had been delivered, and that it was damaged as well, appearing to be second-hand. Indeed the delivery receipt indicates that the wrong - and damaged - table was delivered. This is a classic example of bait and switch. 
Despite repeated efforts to resolve this matter, XXXX have not replaced the wrongly delivered dining room table with the XXXX ordered. 
I have made a good faith effort to resolve the dispute with the seller, XXXX. I have diligently worked with American Express Customer Service Department by providing all requested documentation to support my position. However, American Express customer service representatives have managed to mishandle situation 4 times by simply closing the disputes ( Dispute Reference Numbers : XXXX, XXXX, XXXX, XXXX ) based on merchants provided cancellation and return policy. American Express customer service department have ignored valid support documentation confirming that I received a WRONG/DAMAGED item and written notice from XXXX XXXX, the owner of the XXXX, that XXXX made a mistake. 
The merchant 's cancellation and return policy MUST NOT apply to the wrong - and damaged - table that was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Medical) with Capital Accounts, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is no verification that I am obligated to the debt for the child they are alleging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I have owned my home since XXXX but am danger of losing the home to foreclosure because the agents at DiTech will not allow me the opportunity to be considered for government programs for FHA loans. I refinanced into an FHA adjustable rate loan in XXXX through XXXX XXXX and this lowered my monthly payment. My loan has been transferred a couple of times and it is now held by DiTech. Last year I was XXXX and had significant medical bills that wiped out all of my reserves and put me in a tough situation. To make matters worse, my roommate lost her job and was not able to help out with her portion of the bills. I fell behind on the mortgage payment and reached out to DiTech to see if they had any programs to assist me. They told me they could offer a repayment plan, but when I received the paperwork I realized that this plan raised my payment over {$300.00} a month. This was not something I could afford.. When I inquired about modification, I was told that I needed to refinance my loan. This did not make any sense because I was already behind on my mortgage and I knew that was not allowed. I then attempted to get a review initiated for a modification but the DiTech agents stated that my rate is already low so I ca n't be considered for any other options and that now they were going to foreclose on my home. 

This is an FHA loan and I know that there are several programs available for struggling homeowners, such as modification, forbearance agreement or partial claim. I am certain that I fit the criteria for some or all of these programs and I am extremely upset that DiTech seems to think they make the rules instead of following federal guidelines. I was recently diagnosed with XXXX and was overwhelmed with significant medical bills that put me into an unfavorable financial position. In that same time frame my roommate lost her job and has not been able to pay her rent. These factors led me to fall behind. I am able to afford a fair and reasonable mortgage payment but need DiTech to consider me for ALL available programs, not just a repayment plan that increases my monthly obligation. I have a good job ( have been there 25 years ) and if given the chance I will make all payments as agreed. DiTech just has to understand the situation. I have even attempted to resume making mortgage payments but DiTech has refused to accept these payments, telling me the only option is to repay the entire amount due in one large sum. 

I am concerned that DiTech is not allowing me access to all government programs because they know the loan is insured by the government and they just want to cash in. I want the opportunity to fix it, and wish to file a formal complaint against DiTech in order to get them to play fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Keeps call 7 times a day. Also early in the mornings and on Sundays and wo n't let up. 


AMAZON

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/2017, I transferred XXXX Membership Rewards points into my XXXX XXXX account ( transfer partner of American Express ). I tried to book a ticket using these miles for myself that night and received an error message. I tried again later that night and received the same error message. I was then locked out of my XXXX XXXX account the following day. I contacted XXXX XXXX and received a response that my account was locked due to inconsistent activity. None of my activities were out of the ordinary and from doing some quick research, it seems that XXXX XXXX has been specifically targeting and locking accounts with membership rewards being transferred in. At this point, I can not get in contact with XXXX XXXX customer service as the only avenue of communication I have is an email address they provided me for account audit communication, which is unresponsive. I spoke with American Express customer service and they refuse to reverse or refund the transaction. American Express should be liable as this same issue is ongoing yet there is still no resolution from American Express regarding the abuse by the XXXX XXXX program. At this point, I am locked out of access to my XXXX XXXX XXXX points ( Equivalent to at least {$1000.00} USD ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 'm getting nowhere with these CRAs so I 'm complaining against each of them. I keep receiving results stating that these items have been verified but I know for a fact that congress is very clear when they state that the FCRA can not be " interpreted '' and that once I notify them that their results are wrong, they have to go beyond the original source of information, which they have not! I asked to see the documentation that they are using and I never received anything. I also did n't receive the procedures used to verify or investigate. Congress also states that the only way that an account can be verified is by having firsthand knowledge and using XXXX to do their " investigations '' is NOT legal verification. I also have accounts that were previously deleted that were reinserted without notification which is in violation of the FCRA and I did notify them and nothing was done to remove the reinserted accounts. 

Here are my disputes with Equifax : XXXX XXXX I told you that you have the wrong balance on this account and that I do n't owe the amount listed on my credit report. You also have the wrong open date listed and all XXXX bureaus are showing something different, so can you explain to me how you are verifying the open date of this account when they 're all different? 
XXXX XXXX XXXX I notified you that this account is unknown to me and you have n't done anything to show me that it actually belongs to me. Using XXXX to " verify '' is not legal verification, when you are just parroting what the creditor says! Where 's the documentation? Prove it or lose it. 
XXXX I 've already told you that the balance listed is n't correct as well as the account type and the status of this account. I do n't have a charged-off or account in collection with this company. 
XXXX XXXX XXXX failed to legally verify, please remove pursuant to section XXXX of the FCRA XXXX XXXX I notified you that this account is unknown to me and you have n't done anything to show me that it actually belongs to me. Using XXXX to " verify '' is not legal verification, when you are just parroting what the creditor says! Where 's the documentation? Prove it or lose it. 
XXXX I told you that this account as not charged-off, which means that the date of last activity is not right and you have the wrong balance. I do n't owe anything on this account XXXX the open date of this account is totally wrong XXXX XXXX You are now in violation of the FCRA, as I already notified you that this account was removed on my XXXX/XXXX/16 report and was reinserted on my XXXX report - report - you did not notify me of this reinsertion pursuant to section XXXX XXXX show me the proof that you have this account listed 100 % accurately. I told you that the account # and balance are wrong and you did n't do anything about it, did you?

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: A vehicle I had leased through Chrysler Capital was wrongly repossessed without warning though I had no overdue payments and had already received, signed, and returned a lease extension authorization, extending my lease until XXXX XXXX, XXXX. My car was repossessed on XXXX XXXX of XXXX, despite multiple phone calls from/to Chrysler ( from XXXX XXXX ) stating that my lease extension agreement had been received signed and that I had " nothing to worry about. '' The wrongful repossession appears to be due to Chrysler 's inability to communicate between departments and technical deficiencies on the part of Chrysler to access their own documents. I was given verbal confirmation, multiple times, that there would be no penalty for extending my lease, and then my car was repossessed without warning. Had Chrysler told me anything different I would have been glad to return the car on the date stated on my original lease agreement, but instead they took the car and sent me a bill for over {$20000.00}. I am young and just getting my career off the ground and this may severely damage my credit, though I never missed a payment and was in constant communication with Chrysler toward the end of my original lease date.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (AZ).
Issue: Rewards

Complaint: I made a purchase of {$1000.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I currently have a loan through pnc bank and because my insurance was through escrow and I had high risk dogs at my home the insurance company told me to get rid of dogs or pay a premium increase. I told insurance company I got rid of the dogs. And they still sent a bill to my mortgage company in the amount of XXXX without me knowing. So my monthly payment went up from XXXX to XXXX and then I contacted a company for modification. And they stole my money and ran and told me not to contact my mortgage company they would deal with everything. Well months later I find out my home is in foreclosure and tried getting a modification and Heep getting denied ... ..I will do anything to save my home. It means the world to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Mortgage (Other type of mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (CA).
Issue: Applying for a mortgage

Complaint: After applying for and being pre-approved for a loan with HomeBridge, we requested a loan estimate and a rate lock. 

- When pressed for a XXXX, XXXX provided a misleading document and claimed it was a loan estimate. Quote : Here is the XXXX you requested. and naming the filename in question LE XXXX. After being we asked to confirm : XXXX XXXX Thank you for sending this. I 'm on my phone and ca n't review it, but wanted to confirm this is a loan estimate ..., XXXX replied with : The very inaccurate XXXX, yes. [ XXXX ] - XXXX refused to provide an official loan estimate unless we signed a purchase agreement for the home : Quote : This is all I can legally provide you without having a complete application ( meaning a purchase contract ). [ XXXX ] [ XXXX ] - XXXX refused to send an official loan estimate after taking a full application, pulling our credit, all our XXXX, bank statements etc and providing a pre-approval letter. [ XXXX ] Additional complaints - XXXX offered an extremely attractive interest rate, beating all our other offers by XXXX and offering a free XXXX rate lock. [ XXXX ] - In order to confirm XXXX claims, we contacted XXXX separately, provided the same information, and were quoted a rate that was XXXX higher, and a 45 day lock. 

- Immediately after we were pre-approved, XXXX requested we should not have our credit pulled by another lender, saying that would hurt our score. 


XXXX : - On XXXX XXXX XXXX - We made an offer to purchase XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX | MLS # XXXX - On XXXX XXXX XXXX - The seller XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX demanded we pre-qualify XXXX XXXX. Quote : Purchase agreement shall be signed upon pre approval verification from XXXX XXXX of XXXX XXXX XXXX. 

- On XXXX XXXX XXXX we met XXXX and spend several hours with her providing all our financials to pre-qualify for a loan. [ XXXX ] - On XXXX XXXX XXXX we requested XXXX lock the promised interest rate and provide us a XXXX XXXX. At that point, she immediately informed us the interest rate had jumped by an XXXX - On XXXX XXXX and XXXX XXXX we kept requesting for an official loan estimate. XXXX provided XXXX separate XXXX separate documents which were not official loan estimates, but claimed XXXX of them were. Eventually XXXX said she could not provide an official loan estimate unless we sign the purchase contract with the house first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: I had a car loan through Regional Acceptance that I paid the last and final payment on XXXX/XXXX/16 of XXXX. I spoke to the company on XXXX/XXXX/16 to confirm m my new address so that the title could be sent and was told by the rep that it was sent out on XXXX/XXXX/16. On XXXX/XXXX/16 Regional processed a debit of XXXX on my checking account without my knowledge or authorization. I would not h have made a payment after I had paid a final payment previously. This company y did this once before earlier this year and I had to block any checks from them on my account. I am concerned that they held my personal debit card informat on file from a previous transaction, this is dishonest, unethical and a violation to the Fair debt collection practice act. Please hold them accountable and keep them from doing this again in the future to other consumers.

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Upon being denied from a lender for too many inquiries from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.   XXXX   date   XXXX   2.  XXXX  date   XXXX   3.  XXXX  date  XXXX  4.   XXXX   XXXX   XXXX   date   XXXX   5.  XXXX  date  XXXX  6.  XXXX  date  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 non-monetary relief
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United Student Aid (USA) Funds (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: USA Funds accounts were student loans that were taken over by XXXX. I am in good standing with all XXXX accounts, but the USA Funds are showing active and past due.
USA Funds account numbers 1-XXXX 2-XXXX 3-XXXX 4-XXXX 5-XXXX XXXX account number XXXX-XXXX  XXXX-XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. 

I do not have an account with this company. I did not apply for anything 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 07/17/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: I applied my car own through XXXX XXXX dealer in XXXX XXXX XXXX, VA. This dealer works with Capital one. Capital one gave me interest rate 6.45apr. My account number is XXXX. 
There are XXXX problems. First of all, my dealer XXXX XXXX who charged me more without my awareness. My loan amount should be XXXX, but it became {$15000.00}. ( The finance guy who worked for XXXX XXXX put extra theft preventive system charge on my account. Despite the paperwork has my signature on there, but my friend and I never got informed of this additional charge. ) This Finance guy left office already. So the GM from the Priority who admitted their fault and refund {$1300.00} to me. ( I think Capital one should return me the interest has generated from this extra charge. Because i should only pay the interest from the amount ( {$13000.00} ) i had borrowed ) Second, Capital One gave me an unfair interest rate. I checked rate from XXXX XXXX in XXXX XXXX, they gave me 4 % interest rate. However, when I went to Priority dealer, they used Capital one as their loan service. Capital one gave me 6.45 % apr. When I signed my paper with Finance Guy, I thought this loan amount {$15000.00} has included the interests for 5 years and the principle amount. ) I want Capital one re-evaluate my credit score and gave me a fair interest rate.

Company response to consumer: Closed with explanation