milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2016 about Consumer Loan (Installment loan) with Social Finance, Inc. (CA).
Issue: Taking out the loan or lease

Complaint: In reference to Case No.XXXX wherein SoFi Lending Corp. ( " SoFi '' ) provided an incoherent and patently false response to the initial complaint submitted on XXXX XXXX, 2016 by XXXX XXXX ( " Claimant '' ), SoFi has filed to provide a second response to Claimant 's dispute of SoFi 's initial response. Principally, SoFi clearly refers to a " XXXX XXXX '' as the " personal loan pre-applicant '' throughout SoFi 's response which clearly shows SoFi 's failure to respond to Claimant XXXX XXXX XXXX complaint and SoFi 's egregious failure to comply with fair business practices by providing honest, clear, and ethical business services to consumers. By referring to a " XXXX XXXX '' throughout SoFi 's response SoFi is conceivably reviewing some other " pre-applicant 's '' information and thus SoFI 's entire reponse is based on information not related to Claimant XXXX. Moreover, the electronic process by which Claimant submitted his information to SoFI for a loan review clearly stated that no hard credit inquiry would be pulled and the facts show otherwise with a hard inquiry made by SoFi against Claimant 's XXXX credit report on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Bank account or service (Checking account) with NETSPEND CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: I received a Netspend Premier Prepaid Card from filing my federal and state tax returns on XXXX XX/XX/XXXX. I only physically used the card a few times and added the card information on all of my online accounts as my default payment method, I primarily make purchases online and rarely use my card in stores due to my inability to leave my home very often. On XXXX XXXX at approximately midnight, I noticed the card was missing and immediately called the automated line and reported it stolen. They cut off the card and froze my entire account. Freezing the account not only prevented anyone from using the card but it prevented me from accessing my funds. I filed a police report the following morning and began assisting the investigating detective gather any information and evidence that I possibly could. The next afternoon the detective already had surveillance footage from several merchants and I then identified the subject as an acquaintance and gave them information on her known whereabouts. Charges were filed and an arrest warrant was secured. She is currently incarcerated awaiting court. I properly filed a dispute with the card company and even provided them with all of the detective 's contact information. On XXXX XXXX, I was told that the dispute had been resolved and I would not be getting any credit for any of the fraudulent transactions. I am appalled and confused. I worked very hard for the refund I received and someone stealing my card and stealing over {$1600.00} in funds has destroyed me. I have now lost my car, my job and was evicted from my home two days ago all as a result of this ordeal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
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: XXXX XXXX, 2017, LexisNexis sent me a letter indicating they were " suppressing '' the bankruptcy record on my file maintained by them. I assume their use of the word " suppressed '' is tantamount to " deleted ''. As on this date, I have not received a resolution letter or the updated XXXX XXXX report. Additionally, LexisNexis has not stopped reporting the item in question to the credit reporting agencies. 

LexisNexis internal Case # XXXX LexisNexis Consumer #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (SC).
Issue: Shopping for a loan or lease

Complaint: My husband and I went to XXXX XXXX XXXX, in XXXX XXXX, South Carolina on XX/XX/XXXX. At the time, we discussed the price with the representative who said that he had to discuss the cost with his finance representative and with his manager. We held on to all paperwork that had our personal information as we asked not to have our credit run, until we agreed on costs. He said he made some notes on the back about what we desired for a trade in cost and what we were paying for the vehicle and that he just needed to take a photo of that. He took the photo. Unbeknown to us, that photo also included our personal information. When he returned, he came in with multiple finance offers using me as the applicant and my husband as the co-applicant vice-versa. Once, he brought back the paperwork, we shared our frustrations and asked that he not run our credit and we left taking the form with us. Little did we know, the finance manager had copied our information and began running our credit more than 10 times. I have taken this issue up the dealership to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient continues to provide me with terrible customer service. Their website is never accurate with payments due, so several times i have " underpaid '' according to them and continue to get penalized for mal informed data. Additionally, i have on more than one occasion put in requests for calls to be investigated by their representatives which has never been followed up on. They only ever offer me interest only payments which i have been on for 5 years meaning there has been no dent in the principal balance which is {$100000.00}. In XXXX XXXX, i was placed on an interest only plan for a few months and they literally changed the amount everytime i called. In XXXX XXXX, i lost my job and was unemployed and they literally were unable to significantly lower my payments or offer me any valuable solution. Since XXXX XXXX i have been in dispute with them over a representative call in which a rep advised me of a payment due and apparently misallocated the loan payment which magically left 1 loan delinquent. I asked for the call to be investigated and based on the new reps answer it was not and the manager wouldnt get on the phone with me. Their website isnt accurate, their reps constantly provide me with incorrect information. Everything about them is fraudulent and i am considering taking legal action because it is unethical and illegal for a company to defraud millions of student debt holders including myself. And nothing has changed or been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: I have been trying to have Freedom Mortgage cancel my PMI per mortgage disclosure document language. I tried multiple times over the phone but the operators ( who read off from a computer ) kept telling me that that I have not reached 78 % loan-to-value. I said the calculations should be from the original sales price ( mortgage language ) and they told me its the balance ( loan amount ) at the time of the refinancing with them. They told me to email in writing to their customer service. 

On XXXX XXXX, XXXX, I sent my first email saying that my mortgage disclosure document states when the loan-to-value of mortgage reaches 78 % of the initial sales price or appraised value, whichever is lower, and paid for at least 5 years, the monthly insurance premium will be eliminated. I had been paying the premium for 8 years since the original loan of XXXX. The appraisal of XXXX was the same as the sales price. When the mortgage was refinanced with Freedom in XXXX, there was no appraisal done during their streamlined refinancing promotion. 

On XXXX XXXX, Freedom sent me a generic response without answering my specific letter, saying that FHA will determine when a borrower has reached 78 % loan-to-value ratio. 
On XXXX XXXX, XXXX, after receiving the generic response letter from Freedom, I sent a second email including language as well as attaching Title 12 U.S. Code 4901 ( 12 ) which came about after PMI Cancellation Act of 1999. It states : " The term original value, with respect to residential mortgage transaction, means the lesser of the sales price of the property securing the mortgage, as reflected in the contract, or appraised value at the time at which the subject residential mortgage transaction was consummated. In the case of a residential mortgage transaction for refinancing the principal residence of the mortgagor, such term means only the appraised value relied by the mortgagee to approve the refinance transaction. '' On XXXX XXXX, XXXX, Freedom mortgage sent me the same generic response letter.

I believe I have met the intent of U.S. Code 4901 ( 12 ) as well as the mortgage disclosure langauge.

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 04/19/2017 about Credit card () with U.S. BANCORP (AL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I pulled a credit report a few weeks ago and I noticed an credit card was reporting on my credit file and I have wrote them several times requesting information regarding this account and I have no knowledge of this account but the company will not send me the Information I have requested

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 11/28/2017 about Student loan (Private student loan) with Vermont Student Assistance Corporation (VT).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: We received a letter on XXXX XXXX from Vermont Student Assistance Corp. stating that my daughters loan was deferred to XXXX/XXXX/XXXX. we then a week later get a later stating that she is over due on paying that months payment. She is doing program ( that includes a masters in business management at the XXXX University XXXX XXXX with a company starting on XXXX. XXXX, XXXX. The documents alluding to this case are all attached. because of the email stating the loans were deferred to XXXX XXXX we stopped investigating a refinancing loan until after the Holidays. We have requested that they grant a forbearance until the end of XXXX XXXX on XXXX/XXXX/XXXX if they are not going to honor their letter dated XXXX and they have not responded. After contacting VSAC once we got another bill they said that the letter granting forbearance was a mistake and to disregard it.

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 02-05-2017 about Debt collection (Medical) with Franklin Collection Service, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was verbally agreed to be paid to delete by representative.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Consumer Loan (Vehicle loan) with ALL FAMILY FINANCE, LLC (GA).
Issue: Problems when you are unable to pay

Complaint: I purchased a used vehicle XX/XX/2017 and did a voluntary repo on I believe XX/XX/2017. The vehicle was bought back to them twice with mechanic issues and the week I gave it back it stopped shifting into third gear when driving..reason why I gave it back. I financed the vehicle through them and they are still wanting to collect on a vehicle that had nothing but issues. I understand about the used car laws with consumers that we pretty much are n't protected but their should be something or someone out here able to protect us from USED CAR DEALERSHIPS that do this to hardworking people who hit hard times and have to go to lots like this. I 'm disappointed, upset, and angry. If I ca n't completely get out of this contract at least I want to try and get the amount owed reduced drastically!

Company response to consumer: Untimely response
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I pulled my credit report and noticed two inquiries I did n't authorize. I 've called Transunion they told me call the creditors. I called them and they told me call Transunion. This is very insane. The two inquires are : 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX ( XX/XX/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 04/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: Recent refinance with existing bank Wells Fargo using the online website offer. Current rate 5.5 / approved for 3.5 rate. Filled out all documents told will get info in mail. Two weeks, nothing. I call my customer service rep, my application was cancelled due to lack of information. All required documents were provided, however a tax doc did not scan properly, I never got a call or email about this or I would have immediately resent necessary docs. Now process has to start all over again with new customer service rep # XXXX - I resend all, speak with her about the rate 3.5 that was locked in until XX/XX/XXXX. Packet arrives few weeks later, rate listed on paper work is 3.75- I immediately call leave voice mail. No return call 3 days later leave another message, no return call - email situation. Finally get name of manager, leave voice mail, he also never calls me back. Now weeks have passed and the offer originally quoted & agreed of 3.5 has lapsed. 
Get name of XXXX manager and he agrees I should have gotten 3.5, he will contact underwriters to get paperwork out to me. Paperwork arrived same 3.75 rate. 
Now at this time we are into another month. Told best rate now is 3.6 - I verbally agree to 3.6 - paper work arrives XXXX/XXXX/16 same rate of 3.75. This process took so long that my rental property I am trying to sell in short sale, has started foreclosure proceedings. This is now on my credit report & getting another lender is almost impossible. The process from the start was bait and switch. The original quote of 3.5 should have been honored but was NOT & to my knowledge never was going to be honored, this was the hook, then the 2.5 % increase on final paperwork was the end CON.

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 03-10-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (IL).
Issue: Trouble during payment process

Complaint: To whom it may concern good afternoon I have a huge issue with Ditech XXXX account number of my loan is # XXXX The phone number is XXXX and their address is XXXX XXXX  XXXX XXXX XXXX Washington, XXXX XXXX United States On XX/XX/2017 I had to call Ditech XXXX to found out what my pay off is, they told me a payoff of {$1800.00} they also told me that the company policy I could not make the payment like I normally do on the computer or online I would have to mail my check with the payoff letter that they were going to send me in the email to a different location office on XXXX XXXX in XXXX Illinois the letter that they sent me was generated on XX/XX/XXXX I got the letter in the mail I cut a check for {$1800.00} for the pay off amount which you would see in my evidence file Im forwarding to you come to found out on XXXX XXXX the second day they generated the payoff letter my payoff had increase because they decided to pay my property taxes for XXXX XXXX of XXXX XXXX when they got my {$1800.00} check they never cashed it, I got call from them In the middle of XXXX telling me that I was delinquent on my mortgage when I question why so they told me that the payoff had changed I ask them why did not you and please cash the check I wouldnt of been late on my XXXX payment plus I never instructed you to pay my taxes after me paying off the whole loan with you We have no more business to conduct together they kept telling me that they will have a manager contact me and XXXX this matter out never heard from anyone what there are trying to do to me now Is ruining my life and Report to the credit agenciesmy XXXX payment is late Please I need you help this is a company if you look them up they are currently under two different class action lawsuit because what they did to me they did it to many other consumers I have paid these people XXXX payments perfectly on time never missed one in at the last payment they trying to my life Please please help me I was not late on the last payment in the evidence you would see a copy of my check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Rewards

Complaint: After applying to the American Express Platinum card offer, that offered XXXX Membership rewards points if you spend {$3000.00} within the first 3 months of account opening. I went ahead and spent the {$3000.00}. The XXXX was given to me, and then taken back a few weeks later. After calling American Express and being run around by the staff, I received a letter stating that they are going to be removing the points. They never gave me an official reason. They owe me XXXX Membership Rewards points, as the spending requirement was met as you can see from my statement attached, was met with regular day to day spending. There still is no explanation as to why American Express has taken my points back, and I demanded them back from many different representatives. If you can be of assistance, I would really appreciate it! Thank you in advance!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, I contacted Equifax due to inaccurate information being reported on my credit report. An investigation was done and the results are attached. Well while over looking the results for XXXX XXXX # XXXX, the results of the investigation states that that this account is currently reporting included in bankruptcy, but when you look at the account it does not reflect the information as confirmed by the documents sent by Equifax that would be accurate as this was included in bankrauptcy. 
XXXX formerly known as XXXX XXXX account # XXXX is reporting the same error as listed on the information listed above. 
on the XXXX account # XXXX and and XXXX account # XXXX listed on this same conformation report attached in which the 30 day investigation has concluded. ... you will see that they are showing that both account are still disputed by consumer and is under reinvestigation. the XXXX accounts are reporting correctly as never late and paid off. This is correct and I have do not dispute this information nor have I asked for another investigation. 

I have placed several calls to Equifax but no one is willing to correct the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I reached out to Experian on several different occasions and told them that the address that 's on my credit file does n't belong to me. Credit report refuses to remove it. I have never lived at that address. I was told by their representative I had a mixed credit file and the address will be moved a year later it 's still on there. 


XXXX XXXX XXXX XXXX, IL 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 05/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Our original mortgage was with XXXX and sold to Bayview Loan Servicing. We had an auto draft set for XXXX and Bayview took it out on the XXXX resulting in returned checks and NSF fees. Contacted an agent on XXXX and told to submit in writing the complaint and the bank statement showing NSF fees - send a fax to XXXX. I did this and no response to email or verbally so on XXXX/XXXX/15 called again and spoke with another agent who assured me the NSF fees had been applied to my account on XXXX/XXXX/15 and it would take 5 days to post. As of XXXX/XXXX/15 nothing has been refunded and I am out over {$500.00} due to Bayview 's mistake. Calling again today but this is horrible customer service and I have yet to be acknowledged by a Manager, even after several messages left on voice mail

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX about inaccurate information reported on my credit report. Monthly they have reported that my account is in bankruptcy, with a {$0.00} balance, and derogatory. Also this is completely inaccurate information as I have a balance that I pay monthly on time. This has caused my credit report to drop 7 points. Each time this inaccurate information has been reported, I have called and spoke on the phone several hours with specialists about their reporting errors. They claim they have done everything to resolve this issue and refuse to provide me anything in writing pertaining to their actions.

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