milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage from XXXX XXXX XXXX was sold on XXXX XXXX 2016 to Carrington Mortgage. When my mortgage was sold I was 2.5 months past due. I 'm still within the 60 day window of being released from XXXX, so I 've continued to mail my payments to them. I 'm current with my mortgage and have been since XXXX submitted my last payment of {$280.00} ( direct bill pay ) to Carrington on XXXX XXXX 2016. Once your mortgage is sold you still submit everything to your previous mortgage company within the first 60 days. When I called on XXXX XXXX 2016 Carrington, told me to not mail anything to them until notified or to XXXX XXXX XXXX because they 'll ( XXXX ) just return it to me and then I 'll have to send it to them ( Carrington ). That was incorrect information and will give Carrington the opportunity to attach late fees and make my loan in default. I have continued to make payments to my original mortgage company and legally they have 60 days to release everything. Every check that I 've sent to XXXX they 've forwarded to Carrington with the date they received it. XXXX has done everything correctly. However, Carrington has continuously mailed me notices of Intent to Foreclose and put a notice on my door yesterday XXXX XXXX 2016. I have all of my cleared checks and statements from XXXX. Duly, I have all of the notices of Intent to Foreclose from Carrington which is a violation of Federal Law since I 'm still within the 60 day window of being sold from XXXX XXXX XXXX and I am current with my mortgage. Carrington has harassed me and my family with daily phone calls and notices being sent every other day. Their practice is illegal and unjust. The bottom line is that it 's still within 60 days of being sold ( today being day 46 ) and I am current. Something needs to be done to stop this company from it 's illegal, harassing practices. The notices of intent to foreclose was done in retaliation of me contacting the XXXX on XXXX XXXX 2016. Carrington sent me a XXXX page document explaining their position once I contacted the XXXX. They have not updated their information and continue to harass me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Closing/Cancelling account

Complaint: Synchrony Bank, during the month of XXXX 2015 closed my American Eagle Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the American Eagle Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 
According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only one which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I went into the bank branch to talk to a XXXX in XXXX XXXX, I informed him that I just got a job and that I will be doing direct deposit in to the account that was over drafted, my first deposit was XXXX XXXX 2017. I was paying toward my negative balance they closed my account in the process without informing me when I came into the branch, that it will close if I did n't make the full amount. I talked to them over the phone and they said it was closed because I did n't pay the full amount and that the computers do n't know when someone is making payments toward it so it still will close. I went into the branch on X/X/2017 to open another account they told me it 's now being reported to the three credit bureaus and I do n't understand how if I was paying towards it and they are the ones that closed my account.

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 04/15/2017 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC).
Issue: Fraud or scam

Complaint: I received a package in the mail for a work at home opportunity. It was a XXXX for MoneyGram. A check was enclosed with a complete instruction memo on how to complete the task. I did exactly what it instructed, I deposited the check for {$1900.00} into my account and once the funds were released I withdrew {$1700.00} to make the XXXX separate transactions. I went to XXXX separate MoneyGram locations and made the transfers successfully. A couple of days later XXXX called and said the check was returned. XXXX separate transfers were done, XXXX to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX and the other to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The communication came from an XXXX XXXX and the reply emails were as such : XXXXXXXXXXXX or XXXXXXXXXXXX XXXX. 
Email report to XXXXXXXXXXXX for how you rated the customer service you received at each location. The XXXX after the fact said they have had several of these incidents and checks returned after being accepted into their banking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried numerous time to have this information remove from my credit report XXXX XXXX, XXXX, and experian have not complied to my request I 've disputed the company XXXX XXXX XXXX as well as XXXX XXXX company as fraudulent activity on my credit report I 've fax in a police report of identity theft and to no avail this matter is still on all three credit reporting agency I want this to be removed from all three credit bureaus the customer service representative of all three agencies are rude and they do not look into the disputes that I have filed on line to no avail this is a nusense to me in every aspect of the the way

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 02-07-2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: To whom it may concern:I’m writing to complain about XXXX XXXX or XXXX XXXX XXXX XXXX. I’m sending proof of a payment done on XX/XX/2015 to XXXX XXXX in that time for XXXX dollars. I’ve had emails with the manager XXXX XXXX asking many time to contact sure deposit to clear this debt with no answer of them at all(XXXX). Now I’ve been contacting both agencies to clear this of my credit report, the answer of them is they have to wait to hear from XXXX XXXX to take out that from my record. I'm sending images of emails with manager XXXX(Spanish) and mails XXXX  manager from XXXX XXXX XXXX XXXX.I would appreciate a response from you in writing. Please let me know how to proceed, what need to be done to get this fix. Thank you for your assistance,Sincerely,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MERCEDES BENZ FINANCIAL SERVICES (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I returned my car to a XXXX dealership where I got a new lease for a new vehicle. they took the car and said that they would include my last payment on the new lease, but payment was done by my company, after several attempts, and XXXX XXXX. I was a cosigner on this account and payments where always on time until this last mix up.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TN).
Issue: Account opening, closing, or management

Complaint: I was solicited to open a consumer checking account ( The Citibank Account Package ) on XX/XX/2016 with a promise that I will be offered {$400.00} cash bonus, if I deposit {$15000.00} within XXXX days of opening the account ( Exibit # XXXX & XXXX ) I did open the account on the same day and deposited the required {$15000.00}. After opening the account, I double checked the offer terms and whether it was applicable to the newly opened account ( Exibit # XXXX ). Following the XXXX days as per the terms, I again contacted CitiBank to confirmed that my deposit of {$15000.00} qualified for the {$400.00} cash bonus XXXX Exhibit # XXXX & XXXX ). It has been more than XXXX days, I have not yet received the {$4000.00} cash bonus. Citi 's solicitation number # XXXX is outright misleading and I humbly request Citi to deliver on its promise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/17/2015 about Debt collection (Payday loan) with CHECK INTO CASH INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was threatened with prison time, having XXXX warrants filed by XXXX, was told that " I 'll bend you over XXXX '' " the best you ever had '', was told that I have violated federal and state laws, will be prosecuted for check fraud, multiple threats and told that they will destroy me! The debt was sold by check into cash, and I want them held responsible. The collector/ " attorney '' gave misleading and false information. Someone needs to be held accountable for their actions, please help ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Sale of account

Complaint: This is the third time for filing this complaint. After each contact Wells Fargo has given me a different story of why I was sent a {$300.00} dollar check on an account that was sold to a collection agency. This last time the collection agency told me that Wells Fargo told them that it was for overpaid interest. I have attached a letter and all of the information including the new information received.

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 06-08-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: After multiple calls my homeowner 's insurance information is still incorrect with Nationstar. I have provided the information multiple times and have called several times trying to correct everything. Now I have been sent a 2nd and final notice of force place insurance if I do not update my insurance information. According to customer service representatives my information has been up to date and force placed insurance will not occur. However, the final notice letter was sent AFTER my account was supposedly updated. Luckily I am an educated borrower who works with mortgage compliance on a daily basis. Therefore, I know what I am looking at and understand what needs to be fixed. An attachment is included to further detail all the issues I have had in the past 6 months specifically detailing the issues still left unresolved ( shown below ) and what I have done to attempt to correct them. 
The current issues with my account are as follows : 1. Nationstar is trying to force place insurance on my mortgage in which they have insurance information on file. 
2. XXXX should be reflected as paid on XXXX/XXXX/16 in the amount of {$1400.00} not on XXXX/XXXX/16 in the amount of {$2600.00} as that is the amount that was incorrectly paid to XXXX XXXX 3. My online account still reflects my next MIP payment to be XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (NY).
Issue: Delinquent account

Complaint: I have been a member to USAA since 2004. 
today I have auto insurance again with USAA. However the problem seems to be with the USAA credit debt collection department. Because, I have entered into a Debt Relief program with the National Debt Relief, a USAA credit debt collection agent called me and stated that as a result of me haven joined a Debt Relief program, the credit card department will be obligated to cancel my auto insurance, if I do n't make payments to my credit card. Today I spoke directly with the USAA auto insurance department, and they said, that no other department from USAA or any credit card, has the right to stop my auto insurance. So my question is, why was the USAA debt collector agent giving me false information about the outcome of me being in a debt relief program? USAA should not have the right to retaliate against my auto insurance policy. I also spoke with the USAA Credit Card department and they forwarded me directly to the MasterCard debt collection company and they as well stated that, no such thing can be done by a credit card company ... that whoever said that, is giving you misleading information. 

I here by call on a complaint against USAA Debt Collection department for giving false information about the life or extend of my auto insurance just for being in a debt relief program. 

As of today, all my auto insurance quotes have been paid. So I have no idea why USAA wants to retaliate against my auto insurance, when that is in good standing. 

thank you.

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 01/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: last year i purchased a desk, dresser, and a bed frame from XXXX, i had to pay a fee for them to put the furniture together. It took two months for me the get the items, when the workers came i mentioned to them about putting the bedframe together. He told me that it was n't his job, it was only his job to deliver the furniture. I sent everything back and began a dispute with m my XXXX. last year on XXXX/XXXX/XXXX XXXX charged my credit care again for {$710.00} and XXXX/XXXX/XXXX for XXXX, again i am in the process of filing a dispute against XXXX because i am no longer buying things from them and yet they continue to charge my visa, my credit score went down from XXXX to XXXX because of them maxing out my 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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I requested a report from XXXX and they do not remove any of the fraudulent items that were fraudulent after calling in 9 times they told me not to call back anymore and because they can't do anything but the fraudulent items are still ruining my credit

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 06/14/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Trouble during payment process

Complaint: On or about  XXXX   2016 , I receive d Bayview Loan M ortgage Statement and I realized that there was a charge in the amount of {$310.00} as  XXXX   XXXX   XXXX . I contact Bayview via correspondence to provide with all and any documentation pertaining to this fee of {$310.00}. I was told that this fee is charged by their office as a service fee for taking pictures to my property or so call " inspection. '' I have not been in any type of arrears with my home for me to be charged this fee. Also, there is no document stating that this fee can be charged to any of their clients. I believe this fee is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AR).
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: I have had 3 accounts with stores tied into comenity capital bank. That being victorias secret, XXXX XXXX XXXX. I had placed orders for victorias secret & XXXX XXXX  then ended up in hospital. I never got the orders & called & told them that ... both were nice about it & said they would remove charges. Comenity Banks tells me different & I need to send in letter telling that. They apparently put orders in mailbox without signatures which is stupid but that way they dont have to verify anything just nail you for items you didnt get. Then XXXX XXXX I called to make a payment on XXXX XXXX with my paypal XXXX & it was kicked out because they dont except any paypal card. So I said I will pay the card off with my debit card & woman said will you also have a XXXX payment due would you like to pay them both & it be paid off I said ok lets do that. So I paid {$120.00} on my visa debit & they want to say it was never paid & to send them a copy of it. I had been told by one of comenity bank employees after I had sent in letter saying I never received the prior orders that the were going to say they never got the letter & she was right ... they said they never got the letter & funny thing is before I was told that a male employee had told me they had recieved it & it was being investigated. They like to lie obviously to make sure they can XXXX customers out of money. They have placed all this on my credit & I have proof I paid it off ... right here! 
XXXX XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Statement for Account Number : Statement Period : XXXX XXXX XXXX/XXXX/XXXX XXXX : Signature purchase from XXXX COMENITY CAPITAL BANK XXXX {$120.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am a victim of what is being called Synthetic Fraud ; where the perpetrator uses my Name and DOB but another SSN. These items are blended into my report and reporting on me. I 've been disputing this for over 3 years with Transunion and they finally were at the final phases of completing with the disputes until they ran Maintenance, which was to eliminate all the accounts with the different SSN but they added all the accounts that had been removed over the years with the dispute process. I 've called on several occasions to the Fraud department and they 're very rude and not helpful. They essentially want to start the dispute process over again rather than blocking these accounts from my credit profile. I am days away from a mortgage and because of their actions on XXXX/XXXX/2015 ; I am in jeopardy of being homeless next Wednesday XXXX/XXXX/2015 if these items are n't removed. I 've provided a police report, a copy of my SSN Card and I 'm still receiving no urgency to remove these items. This complaint is my last resort to force their hand to actually handle this situation manually and remove these items from my report. I 've verbally spoken to each of the creditors in question and provided documentation and validated these accounts are not mine but they move on their own timeline. Time is of the essence and I do n't feel I should be penalized for being a victim in this scenario. Pleas help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief