milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX reported to credit bureau that i owed $ XXXX.i have never had any dealings with XXXX of any type nor received any contact from them.checked my annual report in XXXX and that was the first i knew of this account that is not mine.filed complaint with trans union two times, they asked for documentation?? if i never had any dealings with XXXX, how can i have documentation?? i have a prepaid XXXX for 5yrs.and a XXXX, never had XXXX.do n't know how someone purchased it or ran up a bill of {$2700.00} without making any payments before it was closed by XXXX after 6mo.i do n't know how to resolve this, i 'm a retired elderly person and can not afford to hire someone to correct this.XXXX deleted XXXX after they investigated.the above case number is for trans union.

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 12/27/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Problems when you are unable to pay

Complaint: I opened a complaint against Santandar a few months ago. They claimed that they would be sending the dealership a check for {$800.00} payable in my name and the dealership 's name to reimburse me for payments made on a loan that was " unwound ''. I did not submit a response because I was waiting on this check to be sent and to be reimbursed. The dealership claims that they did not receive a check from Santandar for {$800.00} or any other amount. I need proof that this check was sent to the dealership. If it was not sent, I need payment sent immediately and would prefer to have it sent directly to me so that I do not have to deal with the dealership about this matter. The old case number : XXXX. I could not respond to it so I started a new complaint. 

Santander 's original response is attached to this complaint. In that response Santandar states that we were supposed to continue to make payments until the vehicle was bought back by the dealership, but Santandar 's customer service representative specifically told me NOT to make payments. This is the reason that I stopped making payments, and, ultimately, the reason that the vehicle was repossessed. 

Also, during this time, when the vehicle was repossessed and sent to auction in the middle of the dealership buying the vehicle back, I was not given the option to take my license plate off of the vehicle to turn into the DMV. I assumed that the repossession company had done so and dropped the insurance on the car since it was not in my possession for 2 months. Because the license plate was not removed and turned into the DMV, my husband has a flag on his license for {$270.00} because there was no insurance on the car for 2 months. It also took the dealership 2 months to get the car released from the auction site that Santandar sent my car to. The dealership drove to the auction site ( in another state and more than 1 hour away from our location ) more than once to pick the car up after buying the car back and the person was turned away and told that Santandar still owned the vehicle. Finally after two months of this nonsense, the car was released to the dealership. The car was released with no license plate, the break tag sticker gone, the oil change sticker gone, a piece of the console missing, and missing paint on the front bumper. 

Thank you, XXXX and XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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 filed a dispute related to fraudulent activity being reported by TransUnion on XXXX XXXX, XXXX. They are showing an account that was charged off by XXXX XXXX XXXX. I received a response on XXXX XXXX, XXXX stating that the fraudulent activity was valid and Transunion refused to remove it. I called Transunion on XXXX XXXX, XXXX in order to attempt to reopen the investigation and was told by the representative that I would have to get a police report and letter from the creditor in order for them to remove the item from my report.

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 09/16/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have disputed this item before ( CFPB Case number : XXXX ) and have still to be provided proof that I EVER received a letter with a right to dispute ( which I very well would have ). Legally, ( as they very well know ) I have a right to dispute. We have moved several times. Is this why? If so, they still by law must have provided ME with a collection letter with my right to dispute. Because of this ongoing mess and the failure to provide such a document once again, I am requesting this item be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Trouble during payment process

Complaint: I have my Mortgage with Dovenmuehle. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX I requested to have my PMI cancelled on XX/XX/XXXX according to the Homeowners Protection Act. They sent me a letter on XX/XX/XXXX about my request. My original Loan amount was for {$240000.00} in XX/XX/XXXX. It is a seasoned Loan. I have not missed a Payment and I now owe {$130000.00}. I am now at 53 % LTV ratio.  According to the Homeowners Protection Act, they are legally required to remove the PMI. They are also required to send me a letter every year updating me when It will be removed, they never sent me such documents. 

According to their letter, I must buy an appraisal from them, and only them. They stated that if the appraisal shows that the house is worth the same amount as the original appraisal of {$250000.00} then they might consider canceling the PMI. 

I called them back and told them that the Homeowners Protection Act does not state that I am required to get an appraisal to remove it since I am well below the 78 % LTV. They stated that my Loan was a Fannie Mae, Which it is not, and that they require it not them. 

I feel like they are giving me the run around about removing the PMI. 

Please help me, I have a well seasoned Loan, I am at 53 % LTV ratio, I have a conventional Loan. I am up to date with my payments. They need to Cancel the PMI from my Loan. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Struggling to pay mortgage

Complaint: Our house burnt down on XXXX/XXXX/XXXX in the middle of the night. We only had the forced mortgage insurance because XXXX cancelled us. My issue is : We received a payment from the insurance company for XXXX and we owed XXXX We received the check and decided to send it to the mortgage company to pay off the balance of the loan. Ditech is foreclosing on us, so now with the attorney fees they are stating that we owe XXXX. They still haven '' t even applied the XXXX towards our principle balance and they are still charging us monthly for homeowners and flood insurance on a house that had been condemned through XXXXhe county. I even received a call a couple weeks ago asking if I wanted to make payment arrangements for the past due balance of XXXX. I explained to the rep that I sent them a check for XXXX a year ago. The rep looked further into it and say the payment. They did not understand why and would open up a inquiry but t hey always are saying that to me. We can not afford a lawyer. We are on 1 income with XXXX XXXX daughters. My husband is having serious XXXX issues and other health issues. Please HELP!! We are in desperate need of it. We already lost everything in the fire because the insurance only covered the dwelling. ( Not the contents of the house ) The fire was a total loss. You can XXXX my wifes name XXXX XXXX and see when XXXX XXXX came out and asked to take pictures of the house the day of the fire.The county came and tore the house down and is now charging me. Charges are listed below. 

The cost that will be owed if paid by XXXX XXXX, XXXX is below : Title search : {XXXX  Demolition : XXXX Administrative : XXXX TOTAL XXXX PLEASE PLEASE SEE IF YOU CAN HELP. WE DO NOT KNOW WHO TO TURN TOO. ALL WE WANT IS OUR PROPERTY. 

I can be reached at XXXX. 

Thank you, XXXX and XXXX XXXX

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 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Performant Financial Corporation (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Performant recovery sent me a bill for the dept of taxation in the state of louisiana for the year XX/XX/XXXX. I filed a federal return for the year XX/XX/XXXX, and was supposed to get around {$2600.00} back. The state of Louisiana offset my federal return and applied the amount of my tax return to the amount that I owe the state of Louisiana which was {$3000.00}. I phoned the department of taxation through the state of Louisiana, and they were not able to return any information as far as my state taxes taking my federal return. I phoned the dept of offset, and they have records stating that my return was off set due to the dept of taxation for the state of louisiana. 

Now I am receiving a bill, from performant who collects for dept of taxation, and they want proof of my federal tax return being off set. The dept of taxation should automatically have that information. And on the back of the performant bill, performant is threatening to suspend my drivers license. I have the bill from them. They ca n't threaten a consumer 's driver license and have it suspended in order to collect a bill? Not to mention the fact, that the state of louisiana should of automatically received a letter in the mail, like i did, stating that my federal return was going to be applied to my state of louisiana XX/XX/XXXX return owed for that year. XXXX companies, ca n't seem to locate my information in reference to the offset. I also do n't see how performant is allowed to threaten consumers, with a valid threat of suspending licenses?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On or about XXXX XXXX, 2016, I submitted to my servicer a loan modification request. They accepted and when I called back approximately two weeks later, Ocwen told me very rudely that they can not accept my request for workout assistance because the owner of the loan does not participate in modifications. They are not offering me any sort of options to foreclosure. How can the investor not abide by California laws designed to help people who are in distress. Also, each time I call Ocwen they are very rude and I have asked for Spanish speaking agents and they flat out tell me there is none. I believe Ocwen is headquartered XXXX and they simply do not understand Ca laws, nor that they are discriminating against people like me who feel more comfortable to speak in native tongue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Delinquent account

Complaint: I am under the impression that Capital One is reporting XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX as late payments incorrectly. Also the balances at that time may need to be verified. PLease provide proof of the balances and deliquecies for that time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, 2016 I was defrauded by XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, SC. A salesman made fraudulent claims regarding the deed I was purchasing. While in the sales office in XXXX XXXX the salesman had me apply for an American Express Hilton Honors Card which I was approved for. I was then convinced to charge as much money as possible on the card. Months later I had realized I had been defrauded when the timeshare was essentially useless, and did not fulfill a single promise made by the salesman. I hired an attorney to cancel the timeshare which has been finalized, but American Express has repeatedly denied my fraud claim for the initially charged down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 incorrectly reported late payments on my account although it was in forbearance. In fact, the Consumer Financial Protection Bureau is in the process of suing XXXX as they have done this to other borrowers. Unfortunately, all three ( 3 ) credit bureaus are reflecting the incorrect late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Transunion charged me for " credit monitoring '' which I never signed up for. I was trying to get a copy of my credit report and it said they needed my credit card number as a way of verifying my identity -- then they started charging me a fee of {$19.00} a month. I wasn't told before the charge appeared on my credit card statement and when I called, they were extremely obstinate in insisting that I had enrolled in this service. I never received anything for this service ( e.g. any kind of updates on my credit or credit history ) and I think their whole raison d'etre was to charge my card and stay below the radar hoping I wouldn't notice it on my statement.

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 06-09-2016 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (MD).
Issue: Taking out the loan or lease

Complaint: Good Day : In XXXX of 2016, I went to Prosper online site to see if I can obtain a loan for {$5000.00}. I was approved for the loan and checked the box agreeing to the terms and condition of the loan ; however, when I found out that the fee for obtaining the loan was 4 % of {$5000.00} = {$200.00}, I did not want to pay an upfront fee to obtain the loan and exited from the website. 

I did not submit the loan application. After about 2 days, I was informed through my email that the check will be sent to my bank account. I called the customer service office immediately and informed them that I did not submit the loan application and that I was not interested to obtain any loan from them and that they should stop the transfer of the money to my account. 

I was told that they can not stop the money to my account and that I can return the money once it is in my account and I did as instructed. Now, prosper has been calling me that I owed them about {$160.00} for the month of XXXX 2016 and may be other amount for subsequent months. 

I have called the customer service office several times and it seems that they can not resolve this issue. Please be informed that Prosper did not request for any proof of employment or documentation showing the ability to pay the loan in violation of federal lending rules. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Capital One in XXXX XXXX talked to them that I was laid off from work needed so time to pay. They supposedly put in a problem for XXXX months so I can pay off the card. That is why I late for those XXXX months. Since then I paid everything in time. My calls into Capital one was recorded would like to go back and hear that conversation. 

Capital one also mention they would send documents over the mail never received them and my address on file was correct never change it. XXXX Capital One!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted Equifax multiple times regards to incorrect or paid accounts. I have submitted supporting documents to these accounts and still have not been able to have them disputed. I believe this investigation results are going against my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: An acct was opened in my name with XXXX XXXX. Once I discovered this, I informed XXXX XXXX that it was not my debt. The account was charged off at some point and removed from my credit file XX/XX/XXXX. I received a notice from Portfolio Recovery Services on XX/XX/XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. Portfolio Recovery Associates only sent me a collection letter and a XXXX XXXX statement from XX/XX/XXXX as verification on XX/XX/XXXX. Which is not validation of this debt. I responded to their letter on XX/XX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XXXX I called navient to settle an account which they accepted and debted from account. They said they would send me home a letter of confirmation, but never arrived. Still today I am getting letter of debt. I have voice confirmation and confirmation # which they gave me during the call in which they took my money. This has been an ongoing problem for almost a year, every time I called I get redirected or place on hold or never get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Vehicle loan or lease (Loan) with Westlake Services, LLC (MO).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I started my contract with Westlake FinancialXX/XX/XXXX. The opening balance was {$20000.00} with an annual APR 23.99 % and a loan term of 72 months. I have a simple interest loan with interest incurred daily at a rate of {$12.00}. On XX/XX/XXXXI requested the payment due ( {$530.00} ) be deferred. I confirmed with XXXX XXXX that my payment would n't change and was told it would create a balloon payment with interest at the end of the loan. I confirmed that it was okay. Upon my request a document was sent to my email for me to electronically sign. In the document it says " You understand and acknowledge that the referenced extension shall result in additional interest being assessed on you account. Therefore, at the end of your scheduled term, there will be a balloon payment. '' I continued to make regularly scheduled payments XXXX XXXX. With a then balance of {$19000.00}, this balance remained from XXXX XXXX to XXXX XXXX with a total interest of {$4800.00} being paid. I spoke with a customer service individual XXXX XXXX, XXXX who confirmed that my monthly amount applied towards interest is {$370.00} and {$160.00} towards principle. After careful review of the payments and charges on my account I have found that there has been several payments that I made that were only applied to the interest. I have paid a total of {$8600.00} just in interest. You will see in the attached documents that I have gone several months with an unchanging balance amount. My current balance {$19000.00} has remained the same since XXXX XXXX. The conversation on XXXX XXXX, XXXX with XXXX XXXX discussed the details of a deferred payment. I was told that the principle amount was the only payment that was coming from the balloon payment at the end of the contract. Interest is added from the last time you pay until the next time you pay when you defer the payment. For example, I deferred my payment XXXX XXXX, interested accrued at {$12.00} per day from XXXX XXXX until XXXX XXXX when I made my next payment. I am very confused because I feel as though I am not getting anywhere. Refinancing is not an option with this financial institution nor with any other because my car is worth less than owe.

Company response to consumer: Closed with explanation