milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was issued a tax lien in XXXX for the XXXX tax year in the state of XXXX Although I was in XXXX, I was active duty military and a legal resident of XXXX. I paid state taxes to XXXX lived in military housing, and shopped on base. I was physically on a XXXX 9 months out of that year and rarely stepped off federal property. I would like this lien removed, as it is a black eye on my credit report that I am trying so hard to repair and maintain. I want to make a home purchase in the very near future, and this is affecting my ability to obtain a mortgage. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Vehicle loan or lease (Loan) with AMERICA'S CAR-MART, INC. (AR).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Purchased a car from carmart and would not fix car when asked so missed one payment and acct rep sd they were taking us to court and going to garnish our checks. Was rude and saying rude things.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Payday loan debt) with Jonathan C. Frank & Associates, LLC (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have a company that is contacting me over and over again. They contacted me and obtained financial information from me. After this, I searched their phone number and found they are a scam company. They proceeded to contact a family member this morning and left a voicemail on their phone. They need to stop contacting me and my family members. The phone number is XXXX. They have a F rating with the BBB and they are not accredited. 

Jonathan C. Frank & Associates PLLC XXXX XXXX XXXX XXXX, TX XXXX They have numerous open complaints about their " law firm ''. 

BBB Rating : XXXX XXXX XXXXXXXX Complaints about them being a scam : XXXX XXXX XXXXXXXX

Company response to consumer: Untimely response
Consumer complaint received 08/19/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX OnXX/XX/XXXX I obtained a first mortgage through XXXX XXXX XXXX of {$640000.00} on my house.
The mortgage was subsequently been transferred to other entities, and is now held by Select Portfolio Servicing ( SPS ). The company information is as follows : SELECT PORTFOLIO SERVICING INC. XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX CUSTOMER SERVICE : XXXX XXXX XXXX XXXX  www.spsservicing.com Mortgage payments to this company, and from the beginning of the mortgage to date, have never been late.
This servicer acquired the loan on XX/XX/XXXXwith a balance of {$540000.00} at an interest rate of 2.75. As of this date, the balance is {$330000.00}. The current interest rate is 4 % There is no pre payment penalty and additional principal payments have been made and applied to the loan over the past 3 years.
The initial monthly blended payment inXX/XX/XXXX was {$2800.00}. As ofXX/XX/XXXX the payment is {$2700.00}.
The servicer never provided an amortization schedule since acquiring the loan, and same has not been provided for the rate ( which has been adjusting upwards ) at its current level.
I believe the bulk additional principal payments have not been applied properly to reflect the interest calculation, based on the decreased overall mortgage amount and the remaining term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Good day, Due to the fact that I have to take care of my mother, home expenses and bills, I have not been making payments or consistent payments to my student loans. The money that was being used to make payment on all loans has now been for my mother, as we live together, care and well being as she does not work. My mother is currently attempting to appeal her XXXX which was stated by the law firm that took on her case as a 18-24 month process as she has been hospitalized with her condition for 16 times within 3 1/2 years. We are currently waiting for her doctors to set up a date for  one or both of her XXXX XXXX. 

I attempted/currently attempting each month to make payments to My Great Lakes which the total owed to them is {$30000.00} as of this date, XX/XX/XXXX. I put whatever I can on it when possible as I am no longer eligible for forbearance according to their website information system. 

Also, I have XXXX XXXX which is {$790.00} as of XX/XX/XXXX and XXXX student loan for {$95.00} a month. When I talked to a representative vial phone call from XXXX XXXX, the gentleman stated that I may not be eligible and that he would submit my information in which time a representative will be emailing me the decision. These has not been paid for 3-4 months as my mother health has been an issue for going on four years now and I have to take care of her and her portions of the bills as we were partnering on all bills for many years. 

In addition, the issue with repayment originally stemmed from the complaint I submitted from XX/XX/XXXX stating that we did not get properly educated with the constant swapping of instructor whether in beginning of the semester, mid-term, etc. We were also misled financially and job opportunity wise. This is part of the exact same reasoning XXXX XXXX XXXX were shutdown immediately in XX/XX/XXXX. This was 6 months after I filed my complaint. I must admit that I did not originally call the Administrative Director over the campus but once my case was closed I then attempted several times to call the Administrative Director with no success and by that time the news of XXXX XXXX closing had already happened. 

I am nowhere close to a good financial situation as I have already did the first step to officially filing bankruptcy by completing the Certificate of Counseling through XXXX XXXX XXXX. Even still, I do not have the {$1800.00} ( {$1500.00} for hiring lawyer and {$330.00} for filing documents ) to even follow through with that. I am also sure that my income tax will be garnished and feel like I am at a dead end. 

My head is spinning in some ways I do not know what to do and need some kind of assistance or relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: I was informed by XXXX XXXX XXXX XXXX I had been given a high risk status by Suntrust Bank. I have never been a customer of Suntrust Bank. I am concerned that this has been reported and is not accurate.

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 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the past year there have been hard inquiries placed on my report that I did not authorize. After reaching out to the credit organizations they still have not fixed the problem nor deleted the requested information after several attempts.

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 08/29/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The XXXX XXXX XXXX account XXXX is stating High Balance of XXXX and saying the card went over the limit and that information is incorrect and this info needs to be updated ASAP. This has dropped my score XXXX points and I should be removed off this account as an Authorized User.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Winklevoss Exchange LLC (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: XXXX is an exchange of XXXX to USD and opposite. I have an account with XXXX in XXXX and in USD. My account got frozen by XXXX with no explanation or offer on how to resolve it resulting in the hold of my funds. I am not able to transfer or withdraw funds. I tried to contact XXXX but unsuccessful. They do not have any contact number to call. I have sent 6 e-mails to the customer support ( that is the only mean of contact they offer ) and got 6 generic responses like this : " Hi there, We are experiencing a high volume of requests but are doing our best to get back to you as soon as we can. Thank you for your patience. 

Onward & Upward, XXXX Customer Support '' This has been ongoing for over 2 weeks and I do need access to my funds. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XX/XX/XXXX I authorized a check with Bluebird by American Express for {$1000.00} that I mailed to my landlord for my rent payment for the month of XX/XX/XXXX.
On XX/XX/XXXX I received an email indicating that there was a stop payment that I never initiated or authorized..
Bluebird gave me a very nonsensical excuse about the handwriting on the check being illegible which is not correct since I have been authorizing checks for four years as a consumer with their product with no prior issues. In order to write a check on the Bluebird account one must have the funds pre-authorized in advance and which an authorization code is processed and my landlord had no problem depositing the check to her account. It took Bluebird by American Express almost 2 weeks to send me this type of notification that the funds were stopped which is very disturbing and is now costing me to be late on my rent and I will absorb a bunch of fees in the process for the financial penalties imposed by my landlord

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX onXX/XX/XXXXand XXXX XXXX XXXX XXXX onXX/XX/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 12/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 have sent a  Mutilpe Inquiry let ter on  XXXX    XXXX   ,2017  and less then a week later I get a letter stating that the inquiries on my credit report are factual and will remain on my report. If they sent me a le tter four days lat er that meant they did not investigate whether or not the inquiries are mines and just sent their generic letter. Experian did not investigate fully and I have asked multiple times through mail, online Disputing and calling and they will not remove the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have student loans from my time at XXXX XXXX that I have been unable to afford the current monthly payments due to being unable to find employment that pays enough. My student loans are through Navient and I had requested several times over the phone to get enrolled in income based repayment and was told that my income was too high to qualify for those programs and they refused to even let me apply for them and told me the only thing I could do was put my loan into forbearance. After XXXX XXXX was shut down by the federal government due to fraud I asked to apply for the loan forgiveness program that was setup for XXXX XXXX students and was told that my loan would not qualify for that program and again they refused to even let me apply for the program and still continued to insist that I also still did not qualify for income based repayment. As a result my student loans have been listed in repeatedly in forbearance for the past 6 years due to being consistently unable to afford the monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt that was written off was mine, I had to choose on of the above to continue. I had an account with  Monterey Financial  that was charged off/written off as of  XXXX . After it was written off I now have  Monterey collections trying to collect after the account has been written off. Monterey  Collections contacted me last week to collect payment I was trying to ask questions but the rep became belligerent I asked if it was possible to collect on an account that had been written off. She went off to tell me that I did n't know what I was talking about, and threatren to pursue further legal actions if I did n't make this payment. I asked about a settlement she told me that she did not have to offer me a settlement the decision was totally up to her. The amount they are trying to collect is {$1300.00} she told me the best She could do as far as a settlement was {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (AZ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In XXXX of 2017 I spoke to a representative about how payments were applied. She stated that any money received would be applied to the monthly payments and nothing would be applied to the late fee balance until the end of the loan. <P/>On XXXXX.2017 I made a {$250.00} payment to cover my XX/XX/XXXX bill and some extra to cover my XX/XX/XXXX bill. The payment was misapplied. {$83.00} was applied to late fees instead of being applied to my XX/XX/XXXX payment. <P/>I contacted Ally Customer service in XX/XX/XXXX to reapply the additional funds towards my XX/XX/XXXX payment. I was advised that it would be taken care of and to wait 48 hours. I contacted customer service again a week later and I did not see it reflected on my account. I was advised that it would be taken care of. On XXXX.2017 collections contacted me advising about a past due balance. I inquired about the reapplying of the {$83.00}. It had not yet been applied correctly. He said he would process it but that I should call back on Monday to verify. Earlier this week I received another call from collections, I called back and asked to speak with a manager - after being put on hold for 10+ minutes the call was dropped/disconnected ( not from my end )

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 02/14/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My husband 's grandfather had a reverse mortgage that was serviced by XXXX at the time of his death in XXXX. The home was left to us in his will. After sending in all the required documents to show intent to purchase the property, and all corroborating documents ( death certificate, warranty deeds, heirship affidavits, letter of intent, pre-approval from new lender, payoff request from title company and authorization to speak on the account from the executrix of the estate ) the loan was transferred to another servicer under the XXXX XXXX XXXX XXXX umbrella, Reverse Mortgage Solutions. Despite having been told these documents and authorizations to speak on the account would be transferred over to RMS, they were not. So, I resent every document to the new servicer. Now, I 'm being told conflicting information about how long the process of even getting authorized on the account will take. Also, we still have not received any new correspondence through the mail from the new servicer that would advice the estate of the status of the loan ( It was my understanding that the new servicer must inform you within the 15 days of the effective date of the transfer ). Since we are living here, we know it is imperative to be made aware the foreclosure status. Furthermore, as each day passes additional interest accrues, additional servicing fees accrue and there 's the possibility of it going into a foreclosure status without us even knowing ( which would result in foreclosure attorneys fees and other charges that should not be applied to the account ). We have done everything possible on our end as we could possibly do but without any guidance or communication from the new servicer we are getting no where. It is exceptionally frustrating when your proactive about saving a family home and a ) the servicer changes in the middle of the process with little thought given to whats in the best interest of the consumer for resolving the default. b ) not communicating with the estate what additional information is needed to advance the process c ) Stalling the servicing/payoff of the loan to increase interest, servicing fees and possibly attorney fees. It feels like Reverse Mortgage Solutions is where XXXX sends it 's loans to be foreclosed. All we are trying to do is payoff the existing mortgage balance but it seems like since were in an positive equity position and since they wo n't need to submit a claim on a deadline to HUD, they 're just dragging their feet to drive up the payoff. I 'd like to not be so cynical, but after looking at the deceptive trade practices of each entity that has been involved with this loan, I would be naive not to expect questionable ( or even unethical ) servicing.

Company response to consumer: Closed with explanation