milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2016 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (UT).
Issue: Managing the loan or lease

Complaint: My lender has not reported accurate information to the credit bureaus since XXXX/XXXX/2016, they are still showing i have a balance outstanding even though i have paid in full since XXXX/XXXX/2016. This caused me to be denied credit and denied a mortgage since my potential lender was showing a balance owing making my debt to income ratio wrong.

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 09/22/2016 about Credit reporting () with EQUIFAX, INC. (IA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX/XXXX/16, I disputed the XXXX account on the Equifax credit bureau, account number XXXX. I was but am no longer an authorized user and I want this account deleted. Equifax responds by reporting this account as a " reinvestigation '' which is not accurate as this was the first investigation. I called Equifax about this and they said there is nothing that they can do and refused to help me delete this authorized user account or change the dispute wording.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: ny student loan was sold to a company called navient the problem is when i pulled my credit report they have my one student loans listing under several items making it look like i have numerous amounts of loans the loans were taken out in XX/XX/2007 after i applied and stated to them i could not attend if it was not only with grant money, XXXX stated back to me lets not worry about the money right now just get you enrolled. that they did now i am so far in debt and XXXX that i can not pay them back but yet they harass myself and my XXXX mother for money they know we both do not have.i just want them either removed or condensed into one item on my reports so as it doesnt look as bad to someone inquiring about me.this has cause much problems between my mom and i being she is a co-signer because i had to take the loans or would not have been able to keep going to classes. so not fair. please help me. i was XXXX when i applied for school to start with an i made sure they knew it. its been 9 years now and they still call they still write letters and they still post repeated items on my report to make it look worse then it is.XXXX year out XXXX XXXX women in america doesnt get a break she get taken.shame how it works out.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We filed for a home affordable modification with SPS -Select Portfolio Servicing and were approved we made our trial payments on time in the amount of {$1200.00} for all XXXX months they were due. Now XXXX comes and our XXXX payment after trial payments is due. According to our Modification paperwork we had no escrow shortage and the payment due was to be {$1200.00}. I called to make the XXXX payment today and I am told my payment amount due is {$1500.00}. So called back to question the payment and I was told that this was unusual, XXXX XXXX XXXX whom I spoke with stated that normally the XXXX payment is the payment agreed to in the modification and usually they do an escrow analysis about two months after the XXXX payment is due. It could possibly change how much I owe, but not til about XXXX or XXXX. He researched our documents and could not find any reason why our payment changed and also said there was no analysis done and that we received no paperwork to show any changes which according to RESPA I am to be made aware of in advance. Now I was told to make that payment of {$1500.00} or my modification would not be finalized. This is not what we signed a legal document stating and I want to get help to see if they are trying to scam me or get more money than owed. Can you please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (MI).
Issue: Application, originator, mortgage broker

Complaint: Several weeks ago I requested information on a loan consolidation from XXXX. They informed me that there was a Bankruptcy indication on my SLS, ( Special Loan Servicing ) account who services my XXXX mortgage, thus, XXXX denied me a loan until this matter is resolved. However, I have never missed a payment or ever filed for Bankruptcy at anytime in my life. I contacted SLS who has only delayed in admitting they made a mistake and to contact XXXX and the Credit reporting companies to correct this grievous error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other

Complaint: I signed up for American Platinum card with XXXX Membership Rewards points bonus after spending {$3000.00} in the first 3 months. The spending requirement was met, all spending are legitimate, no Manufacturing Spending, the XXXX points was posted to my account. Once the bonus posted I then closed this account. A few weeks later, the bonus was removed from my account for no reasons, the online forum suggested that maybe due to the American Platinum credit card account was closed " too soon '', however there are not wordings at all in the Terms & Conditions that the account MUST be opened, I have all the rights to close the account any time. I am requesting the XXXX MR points to re-post to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: Attempted to complete a short sale. Obtained lien holder approval. Buyers title company was unable to obtain title insurance, therefore was unable to complete the sale. There was a backup buyer who made a higher offer, which would have made the lender more money than originally approved. They have denied a request for a new review because of the foreclosure sale date set for XXXX18. This date was activated when the back up buyers offer was submitted for a new approval. Since the date was activated the new review is with in 37 days of the auction date. This is the reasoning the lender will not review the offer or postpone the sale date to allow enough time for a new review.

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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: They consolidated them without my consent as well as going from federal to private without my knowledge. They went back and forth between subsidized and unsubsidized a couple times according to my Navient account and it seems like every time it changed there was a new listing in my credit because there are several items reported on my credit by them some of which seem like duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Closing on a mortgage

Complaint: Ditech Financial LLC was the mortgage servicer on my FHA mortgage loan and I refinance  XXXX   XXXX ,    2017  ; funding  XXXX   XXXX ,  2017 . The company issued a payoff thru  XXXX   XXXX ,  2017  which included 30 days interest ; {$800.00}. However,  Ditech  has not refunded th e 21 re maining days interest due me and FHA document no.  XXXX  states the mortgagee can not charge interest beyond the payoff date.     I 've spoken to several customer service representative and management by phone and was finally told the investor requires 30 days interest. There is no prepayment penalty and I 'm entitle to the refund. There, I would appreciate assistance obtaining the balance due {$560.00}  ( 21 days ) interest  as soon as possible. I received the escrow balance due but not interest refund.     Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (I do not know) with ASSET MANAGEMENT OUTSOURCING, INC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have s ent Nationwide Recovery Services l etters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Predatory bank practices on our home ; ie, lack of modification two times, will not lower the 8.39 % interest. We were recommended to this agency from our state 's AG office. We believe the actual loan is with XXXX, yet serviced by OCWEN LOAN SERVICING with call centers in XXXX. Lack of negotiations from them. After 12 years and no missing payments from us. They will not be compassionate or care to understand w/o lowering the interest rate. Unfair practices to force retired, good people like us into foreclosure and lower standards of lifestyle from own home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Rewards

Complaint: The credit card company American Express is not issuing rewards on a consistent or timely manner. I have the Blue Cash Everyday ( SM ) card and I earned {$57.00} in reward dollars for the cycle XXXX XXXX, 2016-XXXX XXXX, 2016. They said there was a one-month delay for redeeming these dollars, and so I was not able to redeem them until XXXX XXXX, 2016 ( 1 month delay ). I earned another {$54.00} for the cycle XXXX XXXX, 2016-XXXX XXXX, 2016, and they are now telling me that I can not redeem the dollars until after XXXX XXXX ( 2 month delay ). When I inquired as to why there is a 2 month delay for this cycle versus a 1 month delay for the last cycle, I could not get a clear answer out of the two different people I spoke with. One person told me the bill had to be paid in full ( not just the minimum payment due ) and another person told me they were having system errors. It seems their rewards program is very disorganized and as a customer, it is difficult to figure out what to expect. The whole reason I signed up for this card was for the rewards, and it is difficult to imagine that in XXXX I have n't received my rewards dollars from XXXX. Their practices are not fair, I do not recommend this card to anyone and I will be closing my account once my reward dollars are redeemed ( hopefully before 2016 is over! ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: CREDITORS HAS WROTE TO ME FOR THE REMOVAL OF INQUIRES AND EXPERIAN HAS NOT REMOVED THEM AND ITS BEEN OVER 30 DAYS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I got the Wells Fargo Cash Wise VISA Platinum card and then used it ... When I went to pay the bill it said nothing due. Then they charged me a XXXX late charge. I just opened the account. When I tried to get someone on the phone I called the XXXX XXXX XXXX. On this line they keep trying to sell you things ... saying I qualify for something free and to click this number. 

I do not click any number and I get another sales of a free trip to somewhere. When I do not click that it says I qualify for {$100.00} .... When I do not click that I get a message to hang up now. 

There is no way around the sales pitches ... I am just trying to pay my bill and I should not have to go through all this sales stuff to accomplish that.

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 10/28/2015 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Problems caused by my funds being low

Complaint: I have never opted in to any fee agreement with my bank, Branch Bank & trust. I have opted out of their fee agreement on several occasions, most recently the XXXX of XXXX. The previous times with their customer service dept. over the phone and fees were refunded. They have again illegally charged my personal account {$72.00} in overdraft fees and have refused any refund. These fees are illegal according to the Overdraft Protection Law. This is not first time this has happened. I contacted BBT and they said I was opted in, how convenient for them. I have never nor would I ever opt into a fee agreement. I believe it is BBT that has changed my opt out to suit their needs. My goal is to recover my lost fees and you to investigate BBT for illegal practices. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Checking or savings account (Checking account) with BOK FINANCIAL CORP (NM).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have a checking account opened with my son, XXXX XXXX at the Bank of Albuquerque branch office in XXXX XXXX, XXXX XXXX about 15 years ago. I I am XXXX XXXX XXXX and live on my Social security. I spend the winter months in XXXX as been my habit for.17 years. In order not to pay service charges I try to keep a balance of {$1400.00}. a month. My son and I try to use this account as little as possible for emergencies because of higher fees for ATM and service charges. So I always check the balance before I leave the country.. When I returned to the States I deposited a small check and checked my balance which was $ XXXX..I was referred to a Bank Representative named XXXX, who assured me this problem would be looked into and made copies of past statements. We quickly uncovered the unauthorized charges on my account by two companies I was not familiar with. On XX/XX/XXXX, I received a letter confirming charges refunded of {$750.00}. When I inquired about the additional charges and fees, I was told that The date for making that claim had passed prior to XX/XX/XXXX. I also spoke to a woman named XXXX when XXXX was unavailable who upset me quite a bit telling me my claim would not be honored due to late filing. Dispite having no knowledge of charges. Additional charges of XXXX and XXXX and service charges were denied by letter on XX/XX/XXXX. I never received an alert or notice from the Bank. I never authorized an ACH or any automatic withdrawal. The bank allowed access to my account to an unknown entity. And when my balance dropped below my limit continued to charge service fees.. My ATM card was never out of my possession until the card was cancelled. I y have tried to access my account many times but the web site locks me out and does not recognize my password. The format for logging on has been changed and I was not informed of that or that the Bank was acquired by another Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have repeatedly contacted Transunion, XXXX, and XXXX for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!

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 04-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am writing this complaint in regards to FCO an debt collection company attempting to collect a debt from me. I have no proof or knowledge that I owe this debt. I moved out of XXXX House in XXXX of XX/XX/2013 and paid any remaining balance I owed. I believe this debt is unjust and inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX has continued to report a charge-off giving me a bad credit rating with the credit bureaus. XXXX XXXX and XXXX have deleted this erroneous report from their rcords. Experian, however, after XXXX investigations, have not deleted this charge-off, nothwithstanding evidence submitted to them that XXXX had settled with me in an accord and satisfaction completed years ago, yet still report this charge, thus giving me an adverse credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2017 about Debt collection (Medical) with Professional Recovery Consultants, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a bill from XXXX over a year ago. They had not filed insurance on two bills. So I called and asked them to file the insurance and they said they would. They filed insurance on one but not the other. I called them back and paid the one that was filed with insurance. I asked them to file the other one. I received a 3rd bill where they had not filed insurance. I called them back and asked them to file again. I then received a letter from a collection agency. I called them and told them that the insurance was not filed and they sent back to XXXX to file insurance. It was sent to another collection agency. I called them and told them the same. It was sent back to XXXX again. XXXX then waited several months and sent to another collection agency. I called them and told them the same. They contacted XXXX and XXXX said that it was past the 120 days they could not file insurance. I told them I was willing to pay the 20 percent of the XXXX but I would not pay the full amount because it was their mistake I did not hear from them until now. They have sent it to collections again.

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 07/20/2015 about Credit card () with AMERICAN EXPRESS COMPANY (RI).
Issue: APR or interest rate

Complaint: I am writing to request a rebate of the late charges I paid over the XXXX month billing period ended XXXX/XXXX/15 and the 48 % increase in interest charges during this period when my interest rate was increased from 14.24 % to 27.24 %. This caused me to be charged approximately an extra {$1000.00} in interest. The late fee charges were {$110.00}. 
I was told by both XXXX XXXX and American Express in many telephone calls to wait until after the XXXX payment plan was approved before requesting abatement of these onerous charges. In a call to American Express on XXXX/XXXX/15, I was told that they no longer handle my account and referred me to XXXX XXXX. In a call to XXXX XXXX, I was told that AE had to handle this request. XXXX internally transferred the call to AE but I got the same previous automated response. I then wrote a letter dated XXXX/XXXX/15 to AE outlining essentially what I am reporting in this complaint and got no response. 
I believe I am due abatement consideration fro the following reasons : - It took AE XXXX months to approve my payment plan with XXXX XXXX when all the other cards approved the plan in 5 business days or less- an unreasonable delay and one XXXX said was unusual. 
-During the XXXX months XXXX XXXX made payments to AE on my behalf that were actually in excess of the plan AE ultimately approved ( {$580.00} vs. {$650.00} paid ). 
-I maintained telephone contact with AE during the process ; informing AE that XXXX month 's payment would be late because of my requirement to prepay XXXX. I could not afford to double pay during this transition period. 
- The increase in interest charges is astounding and I would consider userousI believe I should be refunded the excess interest and the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage loan of my house was sold to Caliber home loans and I have a sale date on XXXX XXXX, 2016. I am not being given a change to get any of the work out options to keep my family home. When I called I was told that I have a person who handles my account. Left few voice mails but no call back. I want to modify my loan but I am being told that there is not enough time to review for modification and sale date will not be postponed by customer service representatives.

Company response to consumer: Closed with explanation