milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Closing on a mortgage

Complaint: My loan XXXX, his processor and myself have made multiple request for a payoff of my current principle mortgage balance from my current mortgage lender " Bayview Mortgage ''. and they refuse to send me, my loan XXXX or his loan processor a copy of the payoff letter. They have delayed my refinance for a month now causing me financial loss! 
Please intervene asap so I can refinance my mortgage and save money!

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reported a charge off account when payment was made before the normal 120 days of charge off.
I submitted details of payments and a bank statement for payment that was not credited and resulted in the charge off XXXX XXXX refuse to recognize their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: On XX/XX/XXXX I received two alerts regarding XXXX XXXX XXXX and was unable to retrieve additional information that adversely affects my credit for employment. 

On XX/XX/XXXX I received a notice from XXXX of two major derogatory reporting a court to find XXXX XXXX XXXX named themselves as a court on my credit file, filing an erroneous rating and comments using the Court system to reduce scores since XX/XX/XXXX and to cause more damage. In result of every dispute, Equifax allows Creditor to continue adding conflicting balances, status, etc 2 to 3 times a month like a system after receiving a dispute XX/XX/XXXX favoring a Creditor word or mouth over a consumer discovery as sent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit card () with AMERICAN EXPRESS COMPANY (KS).
Issue: Credit determination

Complaint: This complaint is being filed for the following reason : I owned a company named XXXX XXXX XXXX XXXX from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. During this time I had other persons operating and managing the company. At some time during their management they applied for and received an American Express Gold business card. I did not authorize or sign any documentation for the use of this credit card. They used this credit card to charge business related items for the business. To my knowledge there was neither personal use nor fraudulent activity with the credit card. After closing the business in XXXX/XXXX/XXXX I was contacted by American Express and told that I owed them approximately {$130000.00} for charges that were made by the company on the credit card. I explained to them that the credit card was not in my possession and I had not used it. American Express continued to insist that since I owned the business I was responsible for payment of the charges, I continued to insist that the credit card had never been in my possession and that I had not applied for it. Subsequently in XXXX of XXXX I received a notice that myself ( XXXX XXXX ) and the business that was closed in XXXX ( XXXX XXXX XXXX ) was being sued by American Express for {$130000.00}. The case went before a district court judge on XXXX/XXXX/XXXX. The judge ruled that American Express had absolutely no grounds to expect me to pay the charges for the credit card since I had not ordered it nor used it. The case was dismissed and American Express was ordered to pay all court costs ( please see attached documentation of this dismissal ). That was XXXX months ago and the real problem remains that American Express contacted the credit bureaus and reported to them that I still owed them {$130000.00}. I have always had very good credit but I do n't anymore because American Express has ruined it. I have reported this to them with no response. Please help, I thank you in advance. 

XXXX 
XXXX, KS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NV).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX / 17  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulation  X- 12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX, I made an Agreement with XXXX Home loan for a {$40000.00} mortgage. Before I could pay the XXXX payment, the loan had been transferred to XXXX. XXXX held the mortgage briefly and then transferred it to XXXX XXXX XXXX, who transferred it to Green Tree Servicing. During the life of the loan, I paid approximately {$55.00}, XXXX toward the {$40000.00} loan, interest of {$15000.00} is not unreasonable. 
Recently, I inquired of Green Tree about the loan and the process. Green Tree responded that I agreed to pay XXXX 8.3750 % on the loan and that the 'Actuarial interest ' is calculated on a thirty day basis, marked as Ex. " A. '' The original note speaks of annual percentage not periodic as was being deducted from the payments. I consider this to be predatory lending and facts not revealed that should have been divulged during the time that the house was being purchased, marked as Ex. " B. '' Under the terms in which Green Tree speaks, at the end of the 30 years, I will have paid {$210000.00}. on a {$40000.00} loan. This is unacceptable. Green Tree advertise a 4 % interest rate, but failed to adjust or modify my rate to reflect today 's trend. 
On XX/XX/XXXX, Green Tree wrote me saying that on XX/XX/XXXX, an online payment of {$2500.00} was deducted from my account and applied toward the mortgage ; however, this was only a partial payment of {$2.00}, XXXX. XXXX XXXX monthly payment less escrow ), which was placed in the unapplied funds account, herein attached and marked Exhibit " C. '' Green Tree 's payment history does not show the XX/XX/XXXX payment, but, it does show that I owe a balance of {$36.00}, XXXX, marked as Ex. " D. '' The XXXX XXXX XXXX Office list the Assessed Value of the home at {$12.00}, XXXX, this would make the house {$27.00}, XXXX underwater. The same office places the Market value at {$35000.00} which is {$4.00}, XXXX under the loan amount, marked as Ex. " E. '' The difference between the Market Value and the Assessed Value is : $ XXXX {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been getting harassed by a company name Hunter Warfield regarding a debt they claim I " owe '' from an apartment building in Maryland. I 've tried explaining to them over the phone several times that the debt they are claiming I owe I do not own. I have sent them several support documents such as my I/D, current lease from my apartment building, and proof that I have been living in XXXX for the past 5 years. It was mailed out to them on XX/XX/XXXX and they received it on XX/XX/XXXX via XXXX. The latest I spoke to on the phone stated that he " did not care '' if the debt was truly mine he just wanted me to pay " what I owe ''. Everytime I try to talk to management or someone in the investigation department the reps either hang up on me or transfer me to another debt collector.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX was servicing my mortgage and sold it to Carrington Mortgage Services. I was double charged on my first auto draft payment to them ( permission provided from XXXX ) and when speaking with the representative on the phone, acknowledged the charges but said there is no way to reach the department or anybody that can fix these issues other than through fax or hand written request and a delay of 3-15 business days upon receipt and verified proof of double payments posting. On top of this, I suggested skipping a payment the following month to avoid the hassle and was told that the next month 's payment would still be taken from me and I would be ahead of the payment cycle until the loan is paid in full. 26 years later. The double payment that was taken did not post the second amount to the principal balance and instead still applied both as full regular payments. To take double the payment when not allowing for a payment in excess of the amount due is one problem, and then not being able to easily refund the stolen funds is certainly another. Any assistance you can provide would be greatly appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: APR or interest rate

Complaint: I have a Sears Credit card account, which belongs to Citigroup. Several years ago, I purchased several large appliances with the card. Shortly afterwards my husband became ill and unable to work. Needless to say, I was unable to make timely payments on this card. After speaking with a Sears credit representative, I was placed on an assistance plan for a year, which ended in XXXX 2015. Since that point, I have been paying on the account monthly. The APR is roughly 21.49 %, which supposedly is based on the total amount owed on the account. At this point, I owe {$4400.00}. The minimum payments for each month have been roughly around {$120.00} to {$130.00} each month. However, when I receive the statement for the previous month, approximately XXXX % of the payment is going to interest and not the principal. At this point, I will be paying {$11000.00} for a credit card with a {$6000.00} limit. 

I contacted the company today to request a lower interest rate for this card. However, they refused to lower the APR. I talked to a supervisor who basically told me that they would not lower the interest rate as that was the rate the card was when I signed up for it! Why would I want a credit card with a high interest rate? When asked if I could speak to someone else, she sarcastically told me that there were plenty of building I could speak with however, no one there was no in the building that would help me by lowering my interest rate. ( That was after she snickered on the phone, while it sounded as if she were eating lunch. ) I know that I am not the only one in this predicament. I am upset with this high interest rate and would like some assistance. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (DC).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I executed a sale of bitcoin on coinbase.com worth {$6800.00}. The funds were supposed arrive in my USD wallet that same day ; the transaction message I received stated the following : " Your USD will arrive by the end of day on Friday XX/XX/XXXX ''. This message is still being displayed in the transaction records as per XX/XX/XXXX, and to date I have not received payment. The transaction status shows " pending '', while the sale of the bitcoin shows the status as " completed ''. 

I contacted customer support after noticing the Funds were not available the following day, and the company responded with an e-mail instructing me to look up potential causes for delays on their website. There was no information regarding delays for sales of bitcoin and funds not showing up in the USD wallet. As per the company 's site, USD wallet transaction are supposed to be immediate. I responded to company 's email several times asking for further assistance, but never received a response. My case has not been updated since XX/XX/XXXX. The company 's costumer support phone number does not handle transaction issues, which means I am out of options at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Auto debt) with The Receivable Management Services Corporation (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Contacted XXXX XXXX company around XXXX2017 getting more information on the debt they say I owe. According to their records the account is no longer in their system. I then received a letter from The Receivable Management on XXXX XXXX XXXX XXXX, PA XXXX after I requested the debt to be verify. I show they are requesting payment but are not licensed in the state of Florida.

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 03-07-2017 about Consumer Loan (Installment loan) with KEYCORP (NY).
Issue: Managing the loan or lease

Complaint: My name is XXXX. and I am an XXXX american ( XXXX ) male entrepreneur that self started a limited liability company in XXXX New York in XX/XX/2015. After starting the business I opened a business line of credit through the XXXX. branch at First Niagra bank which was recently sold to Key bank. The business line of credit was established for {$20000.00}. I was excited and pleased with this even though my request was for {$50000.00}. As a result, I referred one of my friends who happens to be a non-black. He has about the same credit score and income as me. I know that economically we are almost identical because I helped him to improve and understand his credit. We work at the same job and I showed him how to establish an LLC. He was approved for {$50000.00} as a start up and showed no income whatsoever. On XX/XX/XXXX I met with the branch manager to request an increase on my line of credit. My credit score was XXXX Fico. I had established about {$15000.00} in annual business revenue, {$65000.00} in personal income and my wife makes between $ XXXX annually. I was told that the decision is primarily based on credit score and that the decision would take no longer than two business days. I had not received a response by the following wednesday so I called in for a status update around noon. I was told that the branch manager would follow up with me the same day it did not happen. The following day I called in again and was told the same thing. I even sent an email. By Friday I had not heard anything so I called in just before the bank closed. I was put on hold for an absurd amount of time, almost XXXX hour before being told that I was denied because of my income. I felt like I was treated poorly from a customer service standpoint. I was put on the back burner when I have been a customer of the bank for over a year. In addition to being treated poorly, I also felt that something else was going on. I have an XXXX, I am no fool. How could my non-black friend receive $ XXXX with no business income and the same credentials as me. I feel as though I am the victim of lending discrimination. That is the only reason that I can come up with. We are virtually identical on paper. The only difference is the XXXX of our skin.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i entered disputes with all XXXX bureaus. i do not know what steps to take next they told me to contact creditors for them reporting incorrect information. i sent them my police report and ftc statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Since XX/XX/2017 I have received telephone calls in excess of 79 times from Conns Credit. They call from different telephone number daily

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2016 about Student loan (Non-federal student loan) with UNITED GUARANTY CORPORATION (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: It was a loan taken for my daughter to attend XXXX College of XXXX XXXX, in XXXX XXXX, Mn and I co-signed the loan for her. In XXXX my husband and I filed bankruptcy due to a preditory lender situation and this loan was in the the Chapter XXXX filing. United Guaranty owned the loan and filed XXXX claims against us against our Chapter XXXX filing and received payment through our Trustee. United Guaranty had purchased this loan from XXXX XX/XX/XXXX when our Bankruptcy was filed. The Bankruptcy was discharged XX/XX/XXXX. On approximately XXXX/XXXX/XXXX we received letters from XXXX XXXX XXXX and XXXX XXXXstating that they had a debt we owed and it was being sent to collections on a delinquent account we had never received any information or bill on, and had no knowledge of owing. After reviewing our bankruptcy it appears as though they had been paid through the court by claims they had made against us when our bankruptcy was filed. I ( XXXX ) made copies of the claims made and the discharge paperwork and sent it to both XXXX XXXX and XXXX XXXX Firm. XX/XX/XXXX a processor came to our home intending to serve our daughter with papers regarding a judgement against her and we explained the situation to him and that our daughter did not reside with us and we had not had contact with her for seven months. He advised I ( XXXX XXXX ) call the law firm he was representing and explain what I had told him. I did that the next day and was told by XXXX ( representing the law firm ) that they had our lawyers name and he asked me if the name they had was correct which it was and that they would not talk to me they would take care of everything necessary through our lawyer and that was the end of the conversation. I ( XXXX ) made copies of all the documents regarding the claims filed by United, copies of our bankruptcy, and the dismissal document and brought them to the law office of XXXX Law Firm on XXXX XXXX, XXXX again stating that XXXX XXXX does not live here. We have now received documents that there is a motion filed and I must appear in court. To the best of our knowledge they have received their claim amount and the bankruptcy is closed. United Guaranty did not file any further claim when asked by the court to do so before the final discharge was approved. They continue to hassle us and have continually threatened us with judgments and to make false statements regarding our credit to creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several credit inquiries I did not authorize and they were illegally made in my name and asking that they be removed I have sinced added a fraud alert on my credit report as I thought I had one placed on my credit report.I do n't understand how this many inquiries does n't causes a red flag with the credit bureau.I live in a XXXX bedroom apt with XXXX people so I need verification that " I '' made these inquiries because having my address does n't prove that. Did " I '' authorize these inquiries???? XXXX XXXX XXXX XXXX,XXXX, XXXX XXXX XXXX, XXXX XXXX,XXXX, XXXX XXXX,XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX,XXXX XXXX XXXX XXXX,XXXX, XXXX XXXX,XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XXXX, XXXX XXXX, XXXX, XXXX XXXX,XXXX XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX,XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I went to the Experian website to look at my " free '' credit score as advertised on television and all over the webpage. Turns out they charge you {$1.00}. I did not know that by paying the {$1.00} fee they enroll you in a monthly membership that charges {$21.00} a month. I was charged twice before receiving my credit card bill and noticing the fraudulent charge. To cancel, the company forces you to call them. I called to cancel and request a refund. They cancelled my " membership '' that I never wanted and never signed up for and refunded one charge but refused to refund the other one because " it 's their process. '' All XXXX of the call center representatives with whom I spoke refused to transfer me to someone who would solve the problem. They kept insisting on giving me an email address. Why should I have to email when " their process '' according to the website forced me to call them in the first place? On top of that, the last agent I spoke with hung up on me despite my request that he not hang up on me. I was civil but firm the entire call. There was no acceptable excuse for hanging up on me. This company is a fraud and participates in false advertising practices. I posted a complaint on their XXXX page and noticed that every post from non-employees was a complaint about this same issue. They are not up-front with their practices and trick users into paying for a service that is n't wanted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation