milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/29/2017 about Debt collection (Payday loan debt) with Central Portfolio Control Inc. (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a phone call from CPC ( Cental Portfolio Control ) in XXXX at my parents house about a loan I had with XXXX XXXX that I had trouble paying on from the following telephone number ( XXXX ) XXXX. I talk to a XXXX XXXX and gave him my bank information about trying to get the debt settled he also gave me a direct phone number to his office ( XXXX ). I have not received any written communication from XXXX and unfortunately my check returned due to insignificant funds twice. Today XXXX XXXX called me and I tried to get information and every time I mentioned about not getting any written communication from him he got rude. I also asked if I could break the debt into smaller payments he said no and I asked for a company address so I could send a money order he said no also. The agent asked if he can call my parents and asked if they can help with I told him no not to call my parents and only use my number he called me on as contact. The agent then proceded to get rude.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MARINER FINANCE, LLC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX     2017, an unknow n hard inquiry pull was made in my credit report. To my knowledge I did NOT give written consent or approval for this hard pull to be made. In requesting I 'm asking to see a VALID signature made from myself personally giving consent for this company to run 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 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (PA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: I am a victim of identity theft. I received a letter in the  US  mail from Synchrony Bank on   XXXX   XXXX  2017.  The letter advised that my recent request to obtain credit had been denied. The letter was addressed to me under my maiden name. I immediately contacted Synchrony Bank Customer Service to advise I did not authorize the request for this credit. I requested a copy of the application details to be mailed to me. I was advised to submit a formal request in writing. I sent a written letter following up to my request for records and mailed it certified mail, tracking #  XXXX   XXXX   XXXX   XXXX   XXXX   , w hich Synchrony Bank received on  X/XX/17   . Since I received no response from Synchrony Bank, I sent a second letter to request a copy of the application on  X/XX/17   , tracking #  XXXX   XXXX   XXXX   XXXX   XXXX   ,  which Synchrony Bank received on  X/XX/17   . Both mailings included copies of my FTC Identity Theft Complaint and the face sheet referencing the Police Report I filed relating to my identity theft. As of today,  X/XX/17   , I have not received a written response from Synchrony Bank regarding the application details. In accordance with section  609 ( e )  of the Fair Credit Reporting Act,  15 U.S.C. 1681g ( e ) , I am entitled to the business records relating to the fraudulent request for credit. The law directs these documents are provided to victims of identity theft at no charge, and without requiring a subpoena, within  thir  ty ( 30 )  days of my written request. I am filing to complaint due to Synchrony Bank not responding to my request.

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 12-03-2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX 2015, I found my property at ( RCS Account number xxxxxxxxxx ) listed on XXXX for sale. I contacted RCS mortgage Inc on XXXX XXXX 2015 to find out why the home was listed and the representative confirmed that my home was not listed by RCS and he had no knowledge of that action and the listing agent may have independently taken that action. On XXXX XXXX 2015, I contacted the listing agent to remove that property from the website and or all sites that it is listed on because that home is not for sale. The listing agent stated that she was directed by XXXX XXXX XXXX to list the home and the emails are attached ( XXXX Pages ), she forwarded the emails to me and I am faxing to RCS. I called RCS mortgage again on XXXX XXXX 2015 and spoke to XXXX and explained this situation again and she needed me to fax in the documentation so RCS could follow up on this situation, she stated that RCS would send me a letter after receiving my fax with the documents to let me know that status of their inquiry. I have been paying RCS for 4 years, do not understand why XXXX XXXX XXXX is doing any action with my loan. 
I have contacted and reported this action to the consumer finance protection board and contacted an attorney to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I paid my last XX/XX/XXXX statement balance of {$9600.00} IN FULL on XX/XX/XXXX with Capital One.
My account is listed as closed yet they issued a {$15.00} interest charge " on purchases '' on XX/XX/XXXX. My last purchase was XX/XX/XXXX, a full three statements/months ago.
When I spoke with the rep, he could not give me a valid explanation on what the interest charge was specifically for. He told me that in order to close the account I have to pay " two full statements in full ''... How am I supposed to pay two full statements in full if there is a XXXX balance? Oh I know, they arbitrarily assign a {$15.00} " interest charge on purchases '' even though I have n't made any purchases in months, and the last statement was paid in full, and the account is listed as closed. This makes no sense and I 'm not paying another dime.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Shopping for a loan or lease

Complaint: Wanted to check rates on RoadLoans.com ( part of Santander ). There was no language on their website indicating that there would be a hard-pull on my credit reports. Many websites and banks use this " pre-approval '' feature ( such as XXXX and pretty much every major bank via direct mail ), but those " pre-approvals '' do n't negatively effect your credit until you complete an application. The banks are typically very transparent and make it clear when a soft-pull is going to occur vs a hard-pull. Roadloans.com 's process seems unfair and deceptive due to the absence of any relevant disclaimers, or any language on the application site describing the implications of submitting information to RoadLoans. Any reasonable consumer could get confused and, like me, unwittingly submit an application for credit rather than an application to receive rates. For full disclosure, I used a nickname instead of my real name during the application because, frankly, I did n't think it 'd matter given the fact that I was just checking rates. I did, however, use my correct SSN ( in order to get correct rates ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: All my hard inquiries were deleted and then added back

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 02/21/2017 about Mortgage (VA mortgage) with loanDepot.com, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2017 I received my monthly statement from Loandepot stating " unscrupulous '' information in terms of defrauding and financial gouge on our mortgage loan with a different address shown below : LoanDepot XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX We are sincerely concerned about fraudulent scam activity loandepot harassing us with our mortgage loan. The amount of our Mortgage : Principal balance totally incorrect. As we are 3 months ahead with our payments. And that is : XXXX, XXXX, XXXX, 2017. XXXX payment we made in XXXX XXXX, 2017 check # XXXX & XXXX amount & XXXX each. We are really fatigue with fraud dishonest services from Loandepot different locations we been dealt with fraudulently. We are asking for help to have loandepot investigate and scrutinize for Consumer Frauds and Defrauding us purposely. Sincerely : XXXX & XXXX XXXX ... ... Loan # XXXX Appreciate your help Thank you :

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: I filed bankruptcy in XX/XX/XXXX ; my car loan through Santander from XX/XX/XXXX was included in the bankruptcy. The debts were consolidated, and I applied for a car loan again through Santander to begin working on my credit. We successfully discharged our bankruptcy XX/XX/XXXX ; however, Santander locked me out of my online account for my NEW car loan, and stopped sending me bills. The only way I can pay is to call them ; this good credit also does NOT appear on my credit report at all. I 've called three times, and my bankruptcy law firm has called once, but the company says it is up to them whether to send information to credit agencies or not. I think they are confused as to which account I am referencing. I am not sure what to do ; I am currently sending a certified letter, but other than that I do not know what to do. I wanted this loan to help my credit. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Mortgage issued me a XXXX form in 2014. This cancelation transaction was report to the IRS, and it 's been confirmed by the IRS that the debt is in their system. Due to a Medical financial hardship I 'm presently in default of my mortgage. A XXXX, non profit organization that Ocwen referred me to work with was unable to secure me a forbearance or modification due to not enough income. The non-project discover that Ocwen, has inflated my principal pay off balance on my mortgage to {$460000.00} after I had informed them that a XXXX cancelation of debt was submitted in 2014 in the amount of {$300000.00} to the IRS. Over the last few years, My monthly statement as well as my credit report showed my Principal amount at {$130000.00}. The Non profit contacted Ocwen to exsplain my current mortgage status and they were giving confusing information, in so many words they admitted to jumping the gun on canceling out the debt and sending that form to me & the IRS, The non profit stated to that something is n't right here based on the last letter sent Ocwen is frantically trying to add the {$300000.00} debt back to my mortgage and I may need to speak legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/2017 

XXXX XXXX XXXX, FL XXXX Transunion XXXX XXXX MA XXXX XXXX Credit Reporting : Please be advised this is my second written request. The unverified items listed below remain on my credit report in violation of the Federal Law. You are required under FCRA to have a copy of the original creators documentation on file to verify that this information is mine is correct. In the results of your fist investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA - You are required to " ... promptly DELETE all information which can not be verified '' The law is very clear as to the civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the fallowing accounts be deleted immediately. 
XXXX {$210.00} Thank You 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 04/25/2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We are repairing our Kitchen and flooring under an insurance claim to address water damage. USAA, our mortgage company, is unreasonably holding our claim money and preventing us from paying our contractor. It was very difficult to get OUR money from them to even begin the work, and will only give us add'l money once we are " 50 % '' complete ( as they define it ). We have signed affidavit from our contractor, stating we are more than 50 % complete. The repairs were fix plumbing, mold remediation, fix floor, rebuild kitchen. Plumbing is fixed, mold is gone, approx XXXX sq feet of XXXX sq feet have been tiled and grouted, permits for kitchen pulled, appliances, cabinets, and counter ordered. They wo n't return our calls to schedule and inspection to determine that more than 50 % has been completed. They have been rude and uncooperative. This is OUR money ... we 've done nothing wrong. We 're just trying to get our house fixed. Because of this, we 've had to put most of the work on credit cards, incurring debt and having to pay interest. This is ridiculous. USAA has been more frustrating to deal with than our insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Consumer Loan (Vehicle loan) with Turner Acceptance Corp. (TX).
Issue: Taking out the loan or lease

Complaint: this car loan has been payed off in full in 2005 ' can I get this removed from my credit report '

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Other fee

Complaint: I travel to XXXX with my American Express thinking that this card will not charge me with additional fees. To my surprise when I saw my statement AMEX was changing me 2.7 % for every transaction that I made in XXXX. I have used this card in the past with no trouble before and I was never informed of this new fee.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NV).
Issue: Taking out the loan or lease

Complaint: Wal-Mart Credit Card account XXXX with Synchrony Bank throughout the period I had an account they double charged payments by trying to take the same amount out a second time for the same amount as I made the payment. Last payment they did the same thing, my banking institution caught it and reversed the charge. Synchrony Bank once again accused me of bouncing a check and closed my account. I have never paid late. This is unfair activity by Synchrony Bank ; I received a letter of their acquisitions. Treating consumers this way needs to stop ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have a checking and saving account through Wells Fargo. Now, I have been very busy through a personal emergency that I am dealing with. Therefore, I have money in my savings account but due to this traumatic event did n't transfer my money into my checking account. Although, I did n't do this my Wells Fargo representative told me the two accounts are linked. So, if I am too low to do a transaction from my checking account, my savings will automatically withdraw to cover the transaction. The only problem is if this transaction takes place, I am also hit with an overdraft fee. Unfortunately, I was not informed of an automatic overdraft fee inclusion in the transaction. My complaint is if my checking and savings accounts are linked why do you also add an overdraft fee. I actually have money to cover my transactions but now I have a double or even triple charge as well. The transaction date of XXXX XXXX, 2017. and shows up on XX/XX/XXXX and XX/XX/XXXX statements.of 2017. I called to ask for a courtesy reversal. They said no. So their idea of linking the two accounts in actuality is n't true. They said I did n't have money in my checking account. So, the overdraft fee took place. I told them that 's why I have a savings account. There is actually money to cover my transactions. So why the extra fee. This to me shows shady under handed practice. I feel this needs to be looked at and corrected. My phone number is XXXX. My information can be sent or email upon request since this involves my personal and sensitive information about my checking and savings account. Your consideration in this matter will be greatly appreciated also thank you for your help in this matter.

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 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was involved in a real estate investment over 10 years ago. I lost XXXX propertis to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a XXXX late mortgage only on Experian. We have disputed this numerous times and asking for proof of the loan. The company is XXXX XXXX XXXX. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to Experian continues to be they are reporting accurately. Experian has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach Experian credit reports. 
Thank you for your assistance!

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 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Purchased storm shutters on  XXXX / XXXX /  XXXX   from   XXXX   XXXX   XXXX   store located at  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Florida  XXXX . With  Wells Fargo cred it card. After purchase, there is a sign that says, " you will be loaded by staff ''! So I had no control of the loading procedure. My problem was that after I purchased the storm shutters in good faith, the loading crew switched my shutters with another persons shutters. Please be aware that shutters are purchased to fit a particular size window. None of the shutters they loaded me with fit my windows. I returned the next day to inform them of their mistake and I just wanted the shutters I had purchased. I was in formed that n  o manager was available to return the order. Then I was told that I would have to purchase new shutters and speak with a manager about a refund since it was the loaders fault for the mix-up.
I purchased a second set of shutters believing I would get a full refund for the mix-up. No manager responded to my calls as I live out of town and the shutters were for an investment property. I contacted Wells Fargo and they placed a temporarily   credit to the credit card. After some time they reversed the card saying it was a valid purchase and I had no claim because the merchant had signs posted that all sales are final. My argument with them was that I never received the merchandise I purchased, I received someone else shutters, therefore there was no final sale. They  ( Wells Fargo ) informed me  that  XXXX  would do an investigation but when I contacted  XXXX  they had no knowledge o f Wells Fargo ev er requesting a dispute on my behalf. I called  Wells Fargo ba ck and was told it could take up to 6 months for  XXXX  to complete their investigation. To this d ate Visa denies any correspondence from Wells Fargo and I have been double charged for an item I never received the first time that I paid for. Then I received a letter from Wells Fargo sa ying the credit That I received would be reversed causing me to pay for the loaders mix-up. They told me that this decision was final.

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