milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: The company/lender is trying to repo our car, Its the only car we have and depend on this car for work in order to pay our bills, without this car nothing gets paid and we lose everything including our home. 
We have offered to pay them {$1000.00} a month to get the loan current, that 's over {$300.00} more then the loan payment, we have asked several times for them to reconfigured the loan in order to get the payments lowered as to make it more affordable for us to manage after losing my job, they refused, in turn this resulted in falling behind with the payments, and the car ordered for repossession. 
Is there anything I can do about this and them refusing offered payments?

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I went to JC Penny to make a purchase and the sales representative asked me if I wanted to sign up for a rewards card to save 30 % off my purchase to which I agreed. She asked me for my information including my social security number to input my information into the system. I literally just turned XXXX a week and a half before visiting this store and had no idea she was signing me up for a credit card. She never once mentioned that Id be signing up for a credit card and that shed be checking my credit. I used my debit card to pay for my purchase, as I had no reason to believe I now had a store credit card. Rightfully so, I assumed that I received the discount because of the rewards card I signed up for. Fast forward I received a JC Penny store credit card in the mail and I checked my credit to see that I now have a hard inquiry on my account along with a credit card. This is fraud, as I was mislead into opening a credit card due to my age. I never agreed to have my credit checked and never agreed to open a credit card. The sales representative lied to me by saying that I am signing up for a rewards card and did not alert me that I was signing up for a credit card. A rewards card and a credit card are two completely different things. I want this account closed and removed from my credit report as soon as possible.

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 03/18/2018 about Checking or savings account (CD (Certificate of Deposit)) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: In XX/XX/XXXX a fixed term CD was opened with bank of America in which my child support was being held. I was XXXX XXXX XXXX at the time and the maturity date was set for XX/XX/XXXX which would have made me over XXXX XXXX XXXX. I was never notified by my guardians of this account that was solely in my name and someone closed the account other than me. I am holding bank of America responsible for unlawful release of my funds. And would like to file a lawsuit on whomever walked in that day and closed it. On XX/XX/XXXX it had {$12000.00} at a 2.6 % interest compounding monthly.

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 07/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX was transferred to SLS. XXXX stated that I was behind approximately 2 payments. During the transition I made XXXX payments 1 for {$700.00} and the other for {$1000.00}. I was told by XXXX that I had a suspense account in the amount of {$580.00}. I applied {$100.00} to my XX/XX/XXXX payment and paid the difference for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke with several representative at SLS who stated that they would review the breakdown of my account. It was stated that they have most of the payment, however, approx. {$200.00} was needed for XX/XX/XXXX. SLS stated that they could not go back due to just receiving the account. SLS manager stated that they will reivew information regarding payments. Someone in charge in the sesearch department would contact the me. It was stated that the {$1000.00} was not found. I have receipts of the XXXX XXXX payment that was received by XXXX and confirmed through XXXX XXXX. I have caught up on all of my mortgage payments. I need to know which mortgage company has the amount that I have sent via XXXX XXXX and resolve this issue. I am receiving calls from SLS asking for the amount that I have already paid out to them. I am frustrated and stressed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was in XXXX school until I could not continue due to XXXX. I have equested requested an IDR last year, as I explained this situation. I received a noticed that I received a bill of XXXX by XXXX XXXX. When I called to address this process again, I was referred to a sub program. They want XXXX by XXXX XXXX. I had my last operation XXXX XXXX, 2017. I am still in recovery. My XXXX hearing is XXXX XXXX, 2017. Currently I do not have an income. I believe I been scammed by Navient. XXXX University Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I Understand that both your old and new servicers must notify you about the transfer of your servicing rights no less than 15 days before the effective date of transfer. 
Although the transfer letter was dated XXXX XXXX, 2015, it was NOT delivered to my home until XXXX XXXX, 2015. The transfer date expressed in the letter is XXXX XXXX, 2015. That is less than 15 days!

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CO).
Issue: Trouble during payment process

Complaint: You see we have gone from a house payment of {$1400.00} to {$4000.00} -- - with no clear or foreseeable end -- - This is only a estimate -- - offer will be given after I pay {$12000.00} ... History show I am not XXXX Stupid or CRAZY so this will not be entertained I had completed Shellpoints twice before TPP before and paid them -- -- -- then they give a new amount ( THE WHOLE DOLLARS ACCORDING TO SHELLPOINT at 11 % INTEREST ) on a new 40 year mortgage at {$4000.00} with a WHOPPER BALLOON when I am XXXX XXXX XXXX AGAIN I AM NOT XXXX STUPID OR CRAZY -- -- -- -- -- -- NEW TRIAL PAYMENT OFFER -- -- -- -- -- -- -- -- MY GROSS INCOME ALL THE MONEY IS AT {$8500.00} for three of the HIGHEST MONTHS OF INCOME XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- {$8500.00} -- -- - Then my Deduction on EXCURSIONS the CAR BUSINESS of {$850.00} per month- and the Deduction of the MORTGAGE ON MY COMMERCIAL RENTAL FOUR PLEX of {$2600.00}. That would CLEARLY LEAVE the INCOME for XXXX XXXX XXXX at {$5000.00} - with a new proposed mortgage payment of {$4000.00} WHO IN THE WORLD BEING A CREDITED FINANCIAL INSTITUTION OFFER A MORTGAGE TO A CLIENT at AT 20 % TWENTY PERCENT INCOME TO MORTGAGE PAYMENT THE LOWEST ALLOWED FEDERALLY IS 35 % - SURE THIS IS NOT A FEDERAL NOTE ITS A IN HOUSE FIANCE PROGRAM -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company did not provide verification and detailed billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Closing/Cancelling account

Complaint: My credit report shows I have an AMEX account with XXXX balance. It 's been on my report for over a year and the credit reporting agencies say they ca n't remove it because it is something that AMEX is reporting to them. I 've called AMEX and they do n't have any record of me having an account with them which is true ... so I am not sure why it keeps showing up. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: 1. On XX/XX/XXXX, my former employer - XXXX XXXX - direct deposited my payroll check for the period XX/XX/XXXX - XX/XX/XXXX in the amount of {$1600.00}.

2. On XX/XX/XXXX my former employer - XXXX XXXX WITHDREW {$1600.00} from my checking account without my permission. 

3. My bank - Wells Fargo - allowed this transaction, facilitated this transaction, and did NOT inform me this transaction occurred. 

4. I ACCIDENTALLY found out of when I made an ATM withdrawal on XX/XX/XXXX and realized my balance was extremely low. 

5. When I demanded my employer return these funds - I was FIRED.

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 04-08-2015 about Debt collection (Payday loan) with CASHCALL, INC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I could not dispute because I have already got my free reports for the year but when trying to work with XXXX, I was told that XXXX XXXX had reported on my report as themselves and Cash Call which neither is the originator of the loan. The originator which was XXXX XXXX was shut down due to illegal loans and then suddenly XXXX had the loan and then Cash Call is now trying to collect. It is listed double on my report. They are all the same people. I have researched this and many states are filing suits for these illegal loans where this company has been collecting from consumers in states where they were illegal and were made to refund their money back. It should not be reported XXXX with XXXX different companies asking for the same thing. I have nothing signed that says I have loans with XXXX XXXX or Cash Call, but what has happened is they are using all XXXX names to collect and finally Western Sky shut down, then XXXX XXXX, and hopefully the figure out Cash Call with the other states. Alabama is just behind but I feel like at some point it will be illegal here to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Transaction issue

Complaint: Citi Bank Disputes XXXX, 2016 XXXX/mc Card # XXXX For {$190.00} charge from XXXX ( Time share Presentation ) Hotel Reservation. 
Made for XXXX XXXX. After the charge was made we were told of restrictions. 
XXXX XXXX never sent any email or other confirmation, a receipt nor say what their cancellation policy was. The Reservation was changed to XXXX XXXX. 

Their Unsigned letter dated XXXX 2016 from XXXX XXXX was never sent to us nor received. 

The reservation was canceled on XXXX, XXXX the reservation was canceled. 
XXXX XXXX was very rude and unprofessional over the phone and never sent us any documentation via email or otherwise as to their policies before or after the verbal purchase. 








XXXX XXXX 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 10-07-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has negative reports/claims on my credit report. The negative claim is for my son, whom is over XXXX XXXX XXXX, in fact he is XXXX XXXX XXXX. The negative reports is for medical expenses. I have contacted both Equifax and the collection agency, and neither have resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Car lot took XXXX of my vehicles in on trade towards XXXX I was purchasing. We had discussed using Credit Acceptance to finance the balance but on the day of delivery, I paid off the balance in cash instead of financing. The car lot never listed my trade in on the contract but did list the cash down payment while still putting the loan into processing to receive that money as well. Now I am being billed for money that I did n't use or borrow. I am attaching a copy of the title that was released to me showing no security interests which would n't have been the case had I financed any money on this BMW.

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 07-07-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: A family member passed away and in order to keep the house I assumed the mortgage from their spouse through a formal " mortgage assumption '' provided by Caliber Home Loans. After approval of the mortgage assumption, the closing process was completed XX/XX/XXXX. My family has since moved into the house. During the closing process the loan officer at Caliber went on vacation. One week after closing I began to reach out to Caliber every few days via email and phone to get a method of payment such as a statement or login and also to confirm the transfer of ownership was complete. Several weeks later I was told the former loan officer was no longer with the company and that the file is being reviewed. Caliber Home Loans has NOT contacted me with a timeline or any communication to resolve the situation. The mortgage is now over 30 days past due because they refuse to acknowledge and provide the transfer of ownership. As a result, my family is not associated with the account and they are not accepting payment. A VP at Caliber even contacted the ex-owner about having a negative balance. Caliber Home Loans wo n't refund the escrow or provide the lien release to the ex-owner despite the assumption process and closing taking place. This is causing an incredible amount of stress on everyone. If Caliber does n't resolve this now, it could negatively affect the credit of both the ex-owner and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The following information is incorrectly reported on my credit report because I was on Medicad at the time of service. No income and no employment which allowed me to be on Medicad. With XXXX, TransUnion, and XXXX. 
Collection Agency XXXX Original Creditor XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$65.00} Collection Agency XXXX Original Creditor XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Balance {$110.00} Collection Agency XXXX Original Creditor XXXX XXXX XXXX XXXX PA Opened Date XXXX XXXX, XXXX Balance {$740.00} Collection Agency XXXX Original Creditor XXXX Opened Date XXXX XXXX, XXXX Balance {$75.00}

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 08/29/2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: PDM continues to harass us over a bill we paid on time over two years ago! 
They have gone as far as to call our relatives trying to collect. 
We already checked with the entity ( XXXX ) six months ago and they checked their records as well, saying we do n't owe. They also told us they never contracted PDM to collect this dept ... so why is PDM involved? How did they get this information? 
XXXX OF THE XXXX EARTH!!!

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 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (NH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I reviewed my credit report and saw a report from AFNI stating that there was an XXXX account opened in XXXX of XXXX. There was no XXXX account opened in XXXX. I called AFNI ( XX/XX/XXXX ) and explained this to an agent there and she stated that was the day the collection was placed with their company and that it does not have to be the date it was charged off. I requested the proof to be sent to my address as she continued to talk over me. Re aging a debt is a violation of the FCRA and I want it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: When i try to credit my american express blue cash credit card and other american express cards with my rewards dollars the reward dollar site page does not let me credit my account. Only when i call american express and complain they fix the problem right away and i can then credit my account. This happens about 50 % of the time i try to use my rewards dollars to credit my bill. I believe this is done to frustrate the card holder from requesting reward dollars credit. This occurred again today X/X/17. I am sure this is a common practice with american express card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (I do not know) with Direct Recovery Services, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I an reciecing calls from " XXXX XXXX '' on my cell phone. They are leaving messages for my deceased nephew. He lived in XXXX and I am in XXXX. When I call and advise that he committed suicide two years ago, then demand to know who they are and their company address, they say their information in protected by privacy laws then hang up on me. 

Because of this, I can not get further information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: Dear Consumer Financial Protection Bureau Since I reported the matte r Ocwen has been trying to put m e in foreclosure after 14 years of service On  XXXX   XXXX  I learnt my payment came back I set via  XXXX   XXXX  and then called to resolve the next month payment by paying {$19.00} for automatic payment from the acount to start  XXXX   XXXX .  XXXX  and  XXXX  payment were never deducted as result I have been getting foreclosure letters. I have resolved by paying {$1100.00} through  XXXX   XXXX   XXXX   I know have a modification and need you to advice of a agent that can help borroers to lower my interest down.       Ocwen has Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; Charging borrowers unauthorized fees for default-related services ; Providing false or misleading information in response to consumer complaints.
. Ocwen failed to effectively assis  t, and in fact impeded, struggling homeowners trying to save their homes. This included : Failing to provide accurate information about loan modifications and other loss mitigation services ; Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; Providing false or misleading reasons for denying loan modifications ;

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried numerous times to get my free credit report from XXXX XXXX XXXX. It keeps looping and giving errors so that I can not obtain my credit 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 non-monetary relief
Consumer complaint received 08/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Billing disputes

Complaint: I was issued a refund for the credit protection plan. This has not been updated on my credit report, as required by the terms of the Consent Agreement that BOA entered. I would like this remediated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Capital Accounts, LLC (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a notice from XXXX XXXX that their had been an entry on my credit report. I looked at my credit report at XXXX and found a report from Capital Accounts on a supposedly account i have with XXXX XXXX in North Carolina. I contacted Capital Accounts and spoke with a lady by the name of XXXX. I gave her all my information and reported I have not been to a dentist since XXXX. I then called the Dentist and spoke with several people and finally got to speak to a lady in the billing department. I went over all information and she reported she did n't know how that collection agency got my information or my social security number. She report this should be under my sons name which is the same but he is a Jr. She reported she will notify Capital Accounts to have it corrected. I filed a dispute within XXXX and the final report has not been changed. Its amazing how in our society a company can get your information and file any report and the credit bureaus do little to nothing to get it corrected. Does this not fall into the classification of identity theft on both the collection agency and the credit bureaus?

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