milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: This complaint is in addition to my previous complaint, case # XXXX. We received a Notice of Final Judgment from LoanCare, informing us our property would be auctioned on XXXX XXXX, XXXX. LoanCare answered the prior complaint by stating they are no longer the holder of the promissory note or the servicer. They stated the note has been transferred and sold to XXXX XXXX. Furthermore, we were not served a Notice of Entry dtd XXXX/XXXX/XXXX as read in the court documents by XXXX law firm or by the referee, XXXX XXXX, thereby denying us our right of Due Process to Appeal or Answer to LoanCare 's allegations. We first recvd this Notice of Entry & Final Judgment on XXXX XXXX, XXXX via XXXX class mail. In my previous complaint, which you have on record, LoanCare answered by stating they are not the Servicer as of XXXX XXXX, XXXX. XXXX XXXX, who holds the Note and is the Assignment of Record is currently offering us loss mitigation resolutions, hence LoanCare is in violation of " dual-tracking ''. They are attempting to seize the property through illegal and unscrupulous acts. We find that LoanCare is in violation of 15 U.S. C1641 ( f ) ( 2 ) whereby servicers are under Federal obligation to disclose " true owner '' of the obligation. If LoanCare XXXX has sold the loan to XXXX XXXX, they why are they proceeding to foreclose on the property? LoanCare has not presented to us the original Note Affidavit of sell from XXXX XXXX to LoanCare, non-issuance of Commitment to Insure, non-issuance of Deed & Title Policy, non-issuance of Certificate of Release from orig. Title insurance, as we 've asked on numerous occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Credit card) with Credit Corp Solutions Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am receiving calls from a company that asserts that I still owe money on an account that I paid off in XXXX 2013. 
This account shows " paid, closed '' on my credit report since XXXX 2013.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (WA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I had an XXXX XXXX store card, and entered a payment installment plan with Synchrony Financial and closed the account in XX/XX/XXXX. The arrangement was for 0 % interest. Ive been making payments as agreed since XXXX and have not been late since I started the payment arrangement. Fast forward to XX/XX/XXXX, and I was charge $ XXXX in interest. I emailed customer service and the representative said that they charged me interest because the promotional period had ended, but I was told that I would not be charged any interest at all and would be paying off the credit card balance at 0 % interest. Why are they charging interest when they agreed not to charge interest back in XX/XX/XXXX when I began the payment arrangement?

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 04-06-2017 about Payday loan () with ACE CASH EXPRESS, INC. (PA).
Issue: Received a loan I didn't apply for

Complaint: I never applied for this loan and they are insisting I pay it. They are threatening me with jail time. I once applied for payday loans 4 years ago and settled and paid all that I received. This ACE cash services is insisting I pay for something I do n't owe. They are threatening me with a lawsuit. I know nothing about this. They have all my personal information and I believe this is fraud. I have an email that they sent me. How do I get this email to you? 

Please help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Settlement process and costs

Complaint: Rocket Mortgage / Quicken Loans gave me a Loan Estimate on XXXX XXXX which caused me to select them over other lenders and initiate my loan with them. On XXXX XXXX, 10 days into a 30 day close, so too late to start with a new lender, they dramatically raised the rate and origination charges.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with Monarch Recovery Holdings, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Monarch Recovery sent me a letter stating I owed over {$320.00} for a debt through XXXX XXXX XXXX, a credit line through XXXX that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from XXXX XXXX XXXX stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and XXXX XXXX XXXX because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me.

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 04-07-2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I tried to put a freeze on my credit.I do n't want ANY loan or credit issued in my name for any reason.I could not get it done.I called XXXX and XXXX, they were great, they got it done.Now we get to the problem Experian, These clowns need to get into the 21rst century.You can not reach anyone by phone or email.If these XXXX think I am goingn to send ALL my info by mail, in one envelope, They need to get in step with the industry stars.They need to read the definition of customer service.And Snail Mail is not service or SAFE.How can I rectify this roadblock.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 12-07-2015 about Credit card () with BARCLAYS BANK DELAWARE (CT).
Issue: Delinquent account

Complaint: There is a negative mark on my credit report which is untrue and needs to be removed. I 've contacted the company several times via postal mail but have, to date, received no response. This debt was satisfied via having my wages garnished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.

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 02/21/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (ME).
Issue: Fraud or scam

Complaint: I received notice that there was a {$700.00} unauthorized charge from my XXXX  to some woman named XXXX XXXX ( though this might be fictitious ) with the user name XXXX. I tried to request the {$700.00} back, even though I knew that would be futile, but I got the message " We're sorry, the transaction could not be completed. Please contact the person you are trying to pay. '' The date of the payment was XX/XX/2018. I am not familiar with the person who was paid ( XXXX XXXX with the user name XXXX ). XXXX 's payment feed showed no other payments, so I am guessing that this a fictitious pseudonym used for the one fraudulent transaction.

Following the Unauthorized Charge Procedure in the user agreement, I contacted XXXX. I received a reply back that XXXX   's investigative team would contact me within 1-2 business days. Instead, I had to wait 8 days. On the 8th day I received an email from the investigative team asking for more information. Shortly thereafter, later that same dame, I received follow up email at XXXX XXXX EST informing me that XXXX  had " received the dispute. '' Within two minutes, at XXXX, I received an email informing me that my dispute had been denied. That was it, an entire two minutes to analyze my case. That is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MA).
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: Reference : The disputed item : Account for credit card from XXXX XXXX XXXX Credit card # ending in XXXX. 
XXXX/XXXX Reported on XX/XX/XXXX Dispute Reason : Ownership : I am no longer liable for this account. 

Regarding the above-mentioned account ; this was the cost of a bed that I have ordered from XXXX XXXX ( XXXX XXXX XXXX, XXXX, NY XXXX, Ph : XXXX ) for {$600.00}. The merchandiser arranged the payment through XXXX XXXX XXXX ( affiliated to Citibank ). 
I have disputed this charge with the bank from the beginning of this account, since I received the product damaged. Although it is a general rule in all banks, to accept the dispute if the product purchased was received damaged, XXXX XXXX XXXX insisted to suspend the dispute claiming that ; I must resolve the problem with the merchandiser, but promised to freeze the charge without any interest or fees until the case is resolved. I filed a complaint against the merchandiser with the Attorney General, who made his decision in my favor for a full refund of the product according to the Massachusetts General Law Chapter 93A, for Consumers Protection. The bank was notified with the decision of the Attorney General, however, did not accept the dispute and started to add interest. I raised the case to the District Court for Small Claims that made its judgment on XX/XX/XXXX in my favor for a full refund of the cost, plus interest and court fees. Attached please find a copy of the judgment of the court.

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 11-01-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midland 's representative contacted me from number XXXX. He advised I owed a debt that has already gone beyond a 7 year period and charged off. The company reached out to my private cell number without authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Account opening, closing, or management

Complaint: I have been unemployed since XX/XX/XXXX last year. In XX/XX/2016 I because unable to pay the requested amount on my XXXX credit cards I have with USAA. I kept paying them, it was n't much, but I paid them every month till they went into charge off because USAA refused to work with me. When the cards went into charge off, USAA changed my ability to view and operate my bank account. Instead of being able to use the desktop version, USAA will only allow me to use the mobile version. There are a lot of functions I can not use in the mobile version. In other words the account use has been severely impacted. I asked USAA when I would be able to use the computer version and they told me when I pay off both of my credit cards. I paid off XXXX card, but I owe XXXX on the other. That 's going to take a VERY long time beings that I am still unemployed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: About 6 months ago, I requested for my loans with Navient to be consolidated. Soon after this request, I told called  Navient and  told them I changed my mind, to cancel my consolidation. a few months later, I realized they went ahead and consolidated my loans. I argued this was a mistake. They told me it can not be  UN do ne. They looked through my phone records and told me this request was not found. I then called the ombudsman group and they worked with me and a Navient represent ative. One month ago, my loans were UN consolidated . Most of my loans were separated and I was happy. In fact, this was reflected in my online records. Everything was fixed. The  Navient manager said she was closing my case. I received a phone call today by this same manager apologizing to me and telling me there was a mistake. The reversal of the consolidation was a mistake. They were now in the process of RE consolidating my loans . I can not understand how this happened. How there have been so many mistakes in my case. I want my loan s UN  consolidated. I do not want a consolidation. I do not know who to turn to. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (NE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX XXXX RE : COMPLAINT AGAINST TO ALL CREDIT REPORTING AGENCIES To Whom It May Concern : I am writing to file a complaint against XXXX, Equifax and XXXX because I do not see the efficiency as a prestigious company. 
I just want they erase any inaccurate information and Including phone numbers that does not belong to me I send proof of residence and my birth certificate they can see what my name and how it is written, my American passport ; all the inaccurate information Is doing damage to my credit history. 
I move to the United States " Nebraska '' in XX/XX/XXXX for my daughter education, all kinds of address that appear credit report that does not belong to me, I mentioned my previous address : From XX/XX/XXXX to XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and present address : From XX/XX/XXXX to the present CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have not received the result of the investigation, I am a person that I have medical conditions " XXXX '' I live with XXXX pain XX/XX/XXXX and I want to have my credit record in great conditions in case the health insurance does not cover the expenses. 
I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 
If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: A legal firm that represents the credit card company has served me papers thru the sheriff 's department notifying my right to have exemptions designated. I 'm guessing as payment. Is n't there a statute of limitations for credit card debt?

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I received my monthly mortgage billing statement with the amount due of {$910.00} by XX/XX/XXXX. I paid {$450.00} onXX/XX/XXXX. I called the customer service number XX/XX/XXXX to pay over the phone for another payment to meet the billing statement total amount due. The customer service rep told me that I can no longer pay monthly payments, instead I had to pay the loan in full, which is around {$1700.00}. She stated I also ca n't pay with anything other than certified funds. 

The Mr. Cooper team member advised me that my maturity date has passed as of XX/XX/XXXX. I asked her when I had missed a payment, or had a deferment, to cause me to still owe if my maturity date had passed. At this point, I gave permission to for my son to speak to the team member because I did n't quite understand what was going on. 

My son asked for the specific dates that caused my loan to pass maturity with a balance owed still. The team member was unable to tell me and said " we show you have never missed a payment, but our transaction history only goes back so far. 

At this point, I feel like I am being threatened and forced into foreclosure, as the company will not allow me to pay my monthly payment amounts, instead trying to force me to pay one large payment that I do n't have. My son states that I should n't owe anything anyway, because I have never missed a payment so my loan should be at a {$0.00} balance as of XX/XX/XXXX. My husband is on XXXX and I am a retired XXXX. I feel like this company is trying to take my home when I am trying to continue to pay! Plus, now I think they are trying to make me pay something that I do n't even owe! 

If the team member was unable to tell me why my maturity date has passed and I still have a balance, I think my lien should be released and my loan be XXXX balanced. There has obviously been an error. 

Also, it is very deceptive to not inform me that my maturity date is about to pass and that I would have to come up with a large payment. The billing statement did not warn me, nor did I receive any letter letting me know this was going to happen. It is unfair and deceptive!

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX provided me no statements/bill in the mail. I had to make a payment over the phone witch they charged me a " express payment fee '' Then a month later I get a postcard that my account is past due I call them do find out the payment was not processed and they tell me I provided them in an incorrect account number. I asked them to confirm the account number they have one file that I provided them and they told me they are unable to do so. I pay a series of other bills from my XXXX XXXX account without issue. 

They are reporting a late payment on my credit report. This is lowering my credit ratting. My entire reason for getting a card from XXXX XXXX XXXX was to build my credit. I feel it was XXXX XXXX XXXX error in processing the payment not mine that has cased the payment to process late. They also should have noticed me sooner if there was an issue with payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Consumer Loan (Installment loan) with Conn's, Inc. (NM).
Issue: Problems when you are unable to pay

Complaint: This agency harasses when payments are late. I 've gotten in to trouble for receiving excessive phone calls at work. When I do call to make a payment, they ask why I am paying the bill late. I feel asking why I 'm making a late payment is completely a violation and unnecessary ; I 'm clearly having financial trouble. They have taken out unauthorized payments and when I have an issue do not call me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have paid my Bank Of America credit card on time for more than a year. 
My daughter was XXXX  on XX/XX/XXXX and I was in the hospital for a few days with her. 
My credit card payment was due on XX/XX/XXXX. 
Even though I was at the hospital, at XXXX on XX/XX/XXXX, which is the same date as the payment due date, I paid my minimum payment, and yet Bank of America assessed a late fee of {$27.00} and refuses to refund it! 

Does big banking greed really have no limits? 

I 'm planning to go to small claims to resolve this if necessary. 
And of course to the local media 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 monetary relief
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All XXXX credit bureaus are reporting a " student loan '' showing as the US Dept. of Education. Through investigation from US Dept. of Education XXXX the account was sold to XXXX - then after it was sold to a debt buyer " XXXX XXXX '' the account was paid in full by the IRS. The debt buyer XXXX XXXX is illegally misrepresenting themselves and not only showing the balance is still owed but by also falsifying their name as being the US Dept. of Education to illegally report. Debt buyers per the FTC in regards to FDCPA can not report on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (MN).
Issue: Taking out the loan or lease

Complaint: Received a mailing from a company called Big Picture Loans ( www.bigpictureloans.com ) stating that I was pre-approved for a loan. I applied online, and halted the process - the company is charging in excess of XXXX % interest on their loans. In order to borrow the approved amount of {$550.00}, it would have cost me over {$3000.00} to repay over the course of the year following. Is this legal?

Company response to consumer: Closed with explanation