milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (TN).
Issue: Application, originator, mortgage broker

Complaint: This complaint is in reference to our buyer 's Lender US Bank. We are in the process of selling our home and had an agreed closing date of XXXX/XXXX/2016. The buyer 's lender ( US Bank ) has been extremely difficult to communicate with and has not been forthcoming with requirements of the seller to close the transaction. We were just notified on XXXX/XXXX/2016 ( the day after the initial closing date ) that the lender is requiring repairs noted on the original Inspection in spite of what we ( the seller ) and the buyer agreed upon. We are being told it is due to the lender being overwhelmed with loan applications and not able to process them in a timely manner. The Inspection was performed on our property on XXXX/XXXX/2016 and we are just now hearing about the repairs being required one month later. Now the lender has extended the closing to XXXX/XXXX/2016 which places us in a bad position as we have already vacated the premises and moved into a rental. This is terrible banking practices on US Bank 's behalf. If they can not handle the magnitude of mortgage loan applications they are receiving, then they should have the decency to stop accepting applications until they can handle them instead of inconveniencing sellers for their lack of staff and the ability to close a transaction within a timely manner.

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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (WA).
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: A  XXXX  mistakenly ran my credit with out asking for my approval first. I spoke with  XXXX   XXXX  about getting the inquiry removed and she agreed informing credco to remove for all credit reports.   XXXX  I have letters and documents that back this up. This was done  XXXX   XXXX     2017  and it 's still on my credit.   XXXX  I called credco and have a letter saying they will remove it but its still on my credit report. They ca n't seem to help me when I move. This is more of  XXXX    XXXX   fault,

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 08/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I cosigned a student loan in the amount of XXXX in XXXX for my adult son XXXX XXXX .He was attending the University XXXX XXXX as a graduate student at that time. My son requested me to sign for one loan. He signed for 2 additional loans of XXXX and XXXX. These loans were fraudulently signed in my name. My son XXXX XXXX obtained these loans by placing my name on them without my consent. I have contacted Navient and they refuse to release me as a cosigner from these loans. I am permanently XXXX noted by Social Security since XXXX of XXXX. I filed bankruptcy in XXXX until XXXX. We completed a Chapter XXXX Bankruptcy plan including my spouse. Navient contacted me in XXXX of XXXX and I stated to them I have been XXXX and not able to work since XXXX of XXXX. Navient sent me papers to request for my loan to be discharged. I fill out the papers and requested several doctors to fill out the details of my XXXX so that Navient could release me from the obligations of the student loan that I cosigned with my son. Now I am being harassed everyday by Navient via, email or phone. Navient contacted a neighbor to try and harass me on XXXX/XXXX/XXXX. Navient refuse to accept my letters stating I am unable to work due to my multiple XXXX. I agree that Navient needs to be paid by my son. He borrowed their money and used it for his educational purposes. I never physically signed a contract with Navient. I never cashed a check that was sent for any loans from Navient. I have sent my son a letter from Navients website to sign to release me as a cosigner. This company refuses to honor federal standards for students loans. I have wrote my local federal representative regarding Navient practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OR).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I have an XXXX store line of credit ( via synchrony ) and wanted to transfer the balance to a new card I just opened with my credit union. 

They said they do not allow them. 

" XXXX XXXX : AgentXXXX XXXX : We do apologize, unfortunately we currently do not offer balance transfers between credit cards. I regret the inconvenience. '' So basically they are not accepting a check that was already sent to them by my credit union, and keeping me locked in to a higher interest rate. I think that is criminal/highly unethical. My credit union tried to send them money but they rejected it. How is that okay?

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 04/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CONVERGENT OUTSOURCING , INC must have bought out another company with intention to add an account that was closed and removed off my XXXX credit report for fraudulent reasons in 2013. Then updated the information and put it on my XXXX credit report this year. This is not the first time it happen. It keeps popping up and removed ever time I file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have mailed copies of my DL and Court documents for name change via XXXX MAIL and no response I have uploaded my documents DL SS and bill with address to their site and no response I have faxed my documents DL SS and bills with address to them and no response on the update of my personal information

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 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company is knowingly contacting me in relation to a debt that is over the allotted time period by the fcra. The debt was not mine to begin with but I am aware that the debt is past the 7 year cutoff. They have no business contacting me for any reason whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Payday loan, title loan, or personal loan (Payday loan) with Triton Management Group, Inc (SC).
Issue: Struggling to pay your loan

Complaint: X/XX/2017 Always Money, XXXX, SC. Today we were point blank told " we can legally call you 3 times a day ''. This is in fact a LIE and not the first time this company has LIED to us about the account. As far as I am concerted this is excessive calling and harassment Always Money calling 3 times a day causes stress and conflict.. Always Money is in violation and we need help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Credit card) with Prime Business Service, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Prime Business Service is collecting on the same debt as the bank. THey are both reporting and damaging my credit. I have been fighting it and they claim it is valid. I have proof that they are duplicate reporting and collecting. They are in violation of the FCRA. This needs to be fixed or they need to be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Payday loan () with Mobiloans, LLC (NC).
Issue: Charged fees or interest I didn't expect

Complaint: I got an intial loan of {$900.00}. The payments were {$130.00} every two weeks which I agreed to. I saw an option to push the next payment to the next pay period. I thought it meant I could start the payments the next pay period. Instead it XXXX the payment which I could not afford. Now they are saying I owe {$500.00} for a payment. Most of this fee is finance charges which they keep adding on every week. I asked for payment arrangements of {$50.00} and they are taking the payments but my balance keep going up {$100.00} everyweek. They are a tribal internet lender. I want to stop adding the interest and apply payments toward my balance.

Company response to consumer: Untimely response
Consumer complaint received 08-11-2017 about Debt collection (Auto debt) with SRA Associates, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: After numerous phone calls from XXXX XXXX XXXX for an alleged debt collection, the company sent me a letter since I would not give them personal information over the phone. The letter arrived on XX/XX/XXXX and states that I owe a debt to XXXX XXXX XXXX ( XXXX ) and asks for {$370.00} as the amount due. My last business transaction with XXXX ended in XX/XX/XXXX with an auto lease termination and all charges paid in full ; no further communication from XXXX was received after that. I called XXXX on XX/XX/XXXX and spoke with an agent in their finance department who reviewed my account with them. The XXXX agent stated that my account was closed and paid in full and that there were no flags attached indicating a dispute. In my mind this is an attempt by SRA to extract money from me for a bogus debt. Watch out for communication from SRA and do your homework to verify that the alleged debt is real. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: on X/XX/17 I made a purchase online from XXXX for school clothes for my son which consisted of sweatshirts and athletic pants. I received the original order and was missing items. I contacted XXXX to report the missing items. I was told via ( online chat session ) that I would be refunded for the missing items. The items that I received did not fit my son ; therefore I sent them back via the prepaid return label that they sent me. I have contacted XXXX several times via phone and chat session and am told every time that " they will investigate ''. That is when I asked my credit card company CITI to help. I received a letter from them ( attached ) that they are unable to assist. I contacted XXXX again today with the same response after chatting with them for over 1/2 hour " they would look into it ''. I was charged {$220.00} for this merchandise, did not receive items and then returned the items that I received. I think it is very unfair that I should have to pay for items that I do not have. I am a single mom ; and this is very rough.

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 01/25/2016 about Debt collection (Medical) with Palm Beach Credit Adjustors, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: palm beach credit adjustments is not my account its a paid account being reported on my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Opened an account on XX/XX/XXXXwith Santanders promotion to receive {$220.00} after 90 days after meeting terms, ( Receive a {$220.00} bonus by opening an eligible new checking account with the promo code XXXX and doing the following : Receive direct deposits totaling at least {$500.00} within the first 90 days, AND Keep your account open for at least 90 days. ). Direct Deposit Orin the amount {$500.00} was credited to the account on XX/XX/XXXX. It has been 6 months since account opening and the bonus was never received after agreeing on promised terms.

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 03/20/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Fraud or scam

Complaint: Someone called my XXXX grandmother ( XXXX years old ) on the phone pretending to be me needing help with money to get bailed out of jail in XXXX and XXXX. This was clearly not true ( I 've never even been to XXXX and XXXX ) but she was scammed into sending {$5800.00} through MoneyGram at Wal-Mart through multiple transfers. The person on the phone convinced her that they were me and told her not to tell anyone else. She was frightened and complied. After finding out what happened, I collected all receipts from her and would like to do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (Payday loan) with CASHCALL, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My husband and I get calls from XXXX office. They called my husbands employment ( he XXXX ) and when he said to stop calling him, they still called the XXXX. We have asked repeatedly for documentation of the loan and amount we supposedly owe. They do n't. They have now filed a civil lawsuit against my husband. When my husband called his office for more info, the staffer said we owed XXXX and we needed to settle for XXXX. We are in the process of getting legal representation to fight back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ATTN : XXXX Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section XXXX, subsection ( XXXX ) ( D ) XXXX ( XXXX ) ( XXXX ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database E-Oscar search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within XXXX business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$620.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
XXXX. ACCOUT NAME : FIRST PRMEMIER ( XXXX ) XXXX BAL : {$680.00} This account was charged off listed with wrong balance please delete error XXXX. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$460.00} no proof of contract collection trans error please delete. 
This account is duplicate listed multiple times.

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 07-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this item twice previously and advised this was not my debt and I wanted to see the contract from the original debtor. All I keep receiving in the mail is a general statement showing how much is owed and who it is owed to. They refuse to send me the documentation I am asking for and I have no knowledge of this debt. The debt has been placed on my credit report for all 3 credit bureaus. I would like this debt to be removed unless they have a valid contact from the original debtor showing I signed or authorized this account.

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. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXX. The file was not removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AL).
Issue: Managing the loan or lease

Complaint: We have an auto loan with Ally Financial. We called them at XXXX, on XXXX XXXX to request a 2 month extension. The representative on the phone gathered information and processed the request, letting is know we had a small payment of XXXX due on XXXX XXXX and no payment due on XXXX XXXX and a final small payment due on XXXX XXXX if XXXX. After that our payments would return back to normal for XXXX XXXX. They advised us we would receive paperwork in the mail. On XXXX XXXX I called them back because we have n't received paperwork yet and they also had on their website a payment still due even though we made a payment based on information above from our call on XXXX XXXX. The representative advised that the original request was not completed on XXXX XXXX and apologized and advised they will complete it again and since we already made our payment for XXXX XXXX out next payment was n't due until XXXX XXXX of XXXX. We said ok and awaited paperwork again. We did not receive any paperwork againI received a number of calls from a collection agency and I returned their call on XXXX XXXX at XXXX and requested a supervisor and was transferred to XXXX XXXX at ext XXXX, to find out that neither of these above extension requests were ever processed. I was advised AGAIN that they would complete the extension and apologized for the mistake. I was told on XXXX XXXX by XXXX that the customer service department did have noted on the account where they were supposed to complete the extension but never did. She apologized again and handled the extension. 

At this point we have 2 months being reported as delinquent on my and my wife 's credit for XXXX different credit agencies. XXXX apologized but said there was nothing she can do to rectify that and I would have to do this on my own. 

I called back today XXXX XXXX to find out what Ally would do to rectify them reporting in accurate information on my credit and was advised that I need to take it up with the agencies again. I advised them, this was not my fault why should I have to do the leg work. I asked the representative today about the notes in their system snd she was able to read each note that was written by XXXX ally financial reps during above dates and I requested copies of these notes and was told I need a subpeana to get them. She Advised it was in their system but they could not provide it to me. 

I 'm being penalized on my credit by ALLY FINANCIALS NEGLAGENCE! Please help me get this resolved. I do n't have any documentation since they will not provide it to me but they have advised their notes are in their system for internal use and will still be there for others to pull up. 

My credit took a huge drop because of the delinquency being reported and I would like the delinquencies removed off ASAP. 

If you need any other information I am available to speakThis was no way in any shape or form our mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (TX).
Issue: Managing the loan or lease

Complaint: Westlake Financial Inc. account # XXXX is an old car from I believe 2012 that was repo 'd. Westlake on my credit report is showing that is is charged off and this car has not been in my possession for at least 4 years now. However, after applying for a mortgage, we noticed that Westlake has been reporting late payments several times through out the last 4 years and then the last 7 months in a row they have reporting a late payment even though this truck has not been in my possession for many years. My understanding is that when something charges off, that means the company decided to charge it off the books and therefore, they can not, in turn report late payments anymore sporadically or consecutively past the charge off date. I guess what I am saying is you ca n't be late on something that charged off. They have been doing this for years and years and has caused my scores to drop big time. I have been trying to get my credit back in shape so my family could purchase a home. After working really hard to do that I find out this company has been illegally, in my opinion, and willfully, charging me late to harm my credit. I am requesting all the late payment past 2012 be removed from my credit report and specifically all the late payments over the last 2 years should be removed ASAP since I have not had the car in my possession and the account was charged off.

Company response to consumer: Closed with explanation