milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: To whom it may concern : I have filed 3 disputes just this year with XXXX, and 2 disputes with XXXX and Experian, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an XXXX response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to XXXX on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from XXXX or Experian and its well past the 30 period. I am submitting this complaint for XXXX due to lack of investigation into my original dispute and to XXXX and Experian for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 10/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I purchased a car for my then husband in XXXX XXXX that was financed through Santander. In XXXX XXXX when our divorced was finalized, our divorce decree stated he was responsible for all payments on the vehicle. This was forwarded to Santander who stated they could not honor the divorce decree and the loan was still my responsibility. My ex husband continued to make payments sporadically then decided he no longer wanted the car. I tried to continue the payments on them but just could not financially afford to. The vehicle was voluntarily surrendered to Santander in XXXX XXXX. They have sold the vehicle since and reported the unpaid balance as a charge off/repo. However they are also reporting it monthly as a late payment. If the loan has been charged off, why are they continuing to report a late payment monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Other transaction issues

Complaint: I made a payment at Walmart through MoneyGram and it was supposed to be for an XXXX XXXX XXXX with XXXX # XXXX through the XXXX in the amount of {$70.00} that was applied to the creditor XXXX XXXX XXXX XXXX. 
I went back to Walmart and they said that I had to address the issue with MoneyGram and I did and they told me that they have to wait for XXXX XXXX XXXX XXXX to refund the money to them in order for them to put on the account that I requested initially.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (WV).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: In  XXXX   XXXX , I purchased a  XXXX   XXXX   XXXX  and  XXXX  van after my previous car was totalled in a accident. I had a remaining balance of a little over {$2000.00} after insurance paid. So that remaining balance was transferred over onto my new loan. I was told that my payments would be close to {$400.00} each month until the remaining balance on the other car was paid off, then my payments would be lower. Within  XXXX  hours of having the van i heard squeeking and crackinf noises and called the next day to bring it into the shop. I was told by the service  manager that new parts had been placed on the car and that w as the problem so I dealt with the noise until it became unbearable and after multiple trips to the shop and my thermostat going out after afew weeks of having the van they told me what was the real problem. So I paid and had {$800.00} worth of work down. Then I decided to take a trip out of town and halfway there my van started making crazy noises and finally broke down while I was in Texas. I was stranded there for  XXXX  while things like my waterpump, tension belt and alternator we fixed. Since I 've had this vehicle it has broke down on me  XXXX  different times and I have several tows. I called afew months into my loan agreement after being without transportation the second time if i could just give them the vehicle back without penalty and I was told if i missed any payment regardless if i parked it back on their lot they would sue me for the remaining balance.   XXXX   XXXX   I was driving a my tv in my passenger headrest began to smoke and i pulled over on the interstate and pulled my kids out of the car because my rug near the passenger seat was on fire. I took the car into the shop the next day and was told that there was nothing they could do but disconnect the wires because the tvs had been installed by a previous owner and it wasnt covered under warranty. I have tried multiple times through various dealerships to trade this vehicle in and no one will take a car that is worth {$1500.00} and still has a {$8000.00} remaining balance on it!! I can not afford this bucket of bolts anymore and now the warranty is about to expire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with Finance of America Mortgage LLC (WA).
Issue: Closing on a mortgage

Complaint: My wife and I applied for a mortgage loan last year with  XXXX   XXXX  at   XXXX   XXXX   in  XXXX , WA. After providing all my paperwork, I was approved for right around {$240.00} on a Conventional Mortgage Loan. I began working with an agent names  XXXX   XXXX , who assisted me with finding a property. The home we found was listed for {$240000.00} but we needed our closing costs paid so we offered {$240000.00}. This was a push on my file and debt ratios and I barely qualified. When my wife and I saw the monthly payment, we immediately expressed grave concerns to ou r Loan Officer and Real Estate Broker  and said we werent comfortable with it. Regardless, they continued forward with the process and ordered the appraisal while assuring us that we would be fine with the payment. After attending the required class for Homebuyers using down payment assistance programs, I learned more about mortgage loans and the importance of not putting yourself in a position where youre house poor. After much consideration, I reached out to  XXXX  and  XXXX  and told them that if the payment could not be reduced I was not comfortable going forward. Instead of working with me on it, they sent me a form to sign and said I would not be getting my  Earnest Money  back.     My wife and I feel it is unfair that we lost our Earnest Money of over {$2700.00} because we tried hard to let our Loan Officer and  Real Estate Broker  know ( multiple times ) that the payment was too high. In addition, after signing the recession form and forfeiting my  Earnest Money, I  realized that the lender didnt include the child support payment I am obligated to pay and therefore I should not have qualified for the loan to start with.     We strongly feel that we were coerced into buying a home that we explicitly stated was too expensive for our budget. We feel that our  Loan  Offer and Agent were both using extreme force and ignoring our concerns to get our loan closed and get paid. If you can please address our concern at your earliest convenience we would greatly appreciate it. The loss our  Earnest Money  has been truly devastating to us and we feel it was not warranted. It is our hope that you can assist us in getting it back.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: We have learned that XXXX acquired the banks but it was not a " Merger '' so therefore this was not a XXXX XXXX XXXX. When XXXX collapsed, XXXX XXXX became the servicer. When we made queries about the new owner, XXXX XXXX claimed that they purchased the loan however they did not provide verification. They sued us and said they sold the mortgage to Pennymac XXXX, who we found out was another debt collector. We wrote to them to verify some information and the collusion and fraudulent documents continued. Pennymac then flipped it to another subsidiary of their company. When we called the FDIC and the OCC, they both referred us to CFPB because this is all debt collection. Additionally, we learned that XXXX XXXX Bank XXXX ceased to exist XXXX XXXX, 2005 however our mortgage was made in XXXX 2005. Our daughter worked for XXXX and XXXX and she continued to make these mortgages and no one ever told her that the company was no longer in existence. Please see our attached report

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened a new American Express platinum card with XXXX in XX/XX/XXXX. It was advertised ( and still advertising ) that if you spent {$5000.00} within the first 3 months youll get a 60,000 bonus points. I met the requirements within the first 3 months and I was expecting my 60k bonus points by the end of XX/XX/XXXX. XX/XX/XXXXpassed and I did not see the bonus points. I called Amex and they said it will come in XX/XX/XXXX. XX/XX/XXXX passed and I still did not receive the bonus points. I called them in XX/XX/XXXX and they said that Ill see the bonus points in my account by the time my statement closes on the XX/XX/XXXX. My statement closes on the XX/XX/XXXX and still no bonus point. I started calling them almost every week of XX/XX/XXXX and the first week they told me it will be done manually from the corporate office, the following week I called to follow up and another person told me that they already opened a case with the case number XXXX. The following week I was told that the case was in my favor that Ill get the 60k bonus points by the end of XX/XX/XXXX. A week to the end of XX/XX/XXXXI called and they told me that it did not specify a particular date but it just said XX/XX/XXXX.
I didnt get anything in XX/XX/XXXX, so I was hoping that by the time my statement closes by XX/XX/XXXX Ill see the bonus points. This was what the person I spoke to told me. I spoke to her on the first week of this month XX/XX/XXXX ( just few days before the statement closes ). She said thats the deadline ( 6-8 weeks ) after they investigated and the points was in my favor.
Now 6-8 weeks has passed. Its been 4 months since I qualified for the 60,000 bonus points but XXXX has refused to award me the points.
They charged the {$550.00} membership fee on the first month, but they dont want to honor their words as part of the card agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently received an alert that a collection was added to my XXXX, XXXX, and XXXX credit report. The report showed a collection from XXXX XXXX XXXX XXXX, stating that I opened an account with XXXX on XXXX XXXX, XXXX, and owed a balance of {$660.00}. I contacted the collection agency and told them that I 've never had a XXXX account and that I do n't owe them {$660.00}. I also asked them to provide me with proof of a written contract stating that I opened a XXXX account on XXXX XXXX, XXXX, and they refused to provide me with such documents. I also called XXXX, XXXX, and XXXX to dispute the collection and the collection was removed from XXXX, but not XXXX and XXXX. Please have this collection removed from my credit report because it is making a very negative impact on 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 08-12-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/2006 I filed for Ch XXXX bankruptcy protection. At that time, I owed {$39000.00} for my student loans. When I filed, my loans were transferred to ECMC ( Educational Credit Management Corporation ). Once my loans were transferred, ECMC assessed fees in the amount of {$10000.00} therefore increasing my loan balance to {$49000.00}. My bankruptcy has now been discharged and I am now faced with a loan balance that has increased by XXXX %. I am in need of information as to how and why ECMC can legally assess me with such a large fee simply for taking over my loan and how I should proceed so that I may begin making payments on my loan.

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 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX   XXXX     2017  I noticed an account the was previously removed was added back on without notification. This is not a valid debt and I should 've received notification that this debt was added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have two accounts linked with the same account number on my credit report. Its unauthorized

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 03/28/2017 about Consumer Loan (Installment loan) with Experian Information Solutions Inc. (NY).
Issue: Shopping for a loan or lease

Complaint: This is not a LOAN or CREDIT DEBT but a CLAIM by a disgruntled vendor And does not since it does not include all XXXX data points in the documentation

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have several credit inquires on my credit report that were not requested by myself and were given without my authorization  1.    XXXX   XXXX   XXXX  Date Filed  XX/XX/2017    Type Credit Unions 2.  XXXX  Date Filed   XXXX   Type Mortgage Reporters  3.   EQUIFAX  MORTGAGE SERVI  Date Filed  XX/XX/2017    Type Mortgage Reporters

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: The lender is in violation of RESPA due to not postponing the FC sale set for XXXX/XXXX/17 - as of XXXX/XXXX/17 the lender deemed the package complete and are not requesting any docs for the review - Sale should have been postponed around XXXX/XXXX/17 when they stated the package was complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: Due to Hurricane Ir
ma in XX/XX/XXXX in XXXXg Fla I call my mortgage company Carrington Mortgage Service the following week and advised that based on the Forbearance law or act that I needed two months of payments added to the end of my mortgage term, This was done immediately. I received a document from Carrington advising me to fill out RMA Request For Mortgage Assistance. I am totally confused since they are requesting me to make XX/XX/XXXX and XX/XX/XXXX payments no later than XX/XX/XXXX. I was not given this information when talking with the first CSR on XX/XX/XXXX This complaint is regarding the Forbearance. Refraining from the enforcement of something such as a debt, right or obligation that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was a victom of a data breach when I was serving in the XXXX XXXX. I recieved a letter from the XXXX government stating my identity was stolen. This occured in XXXX. I have notified all XXXX credit bureaus since then numerous times with letters and police report and these items are STILL FRAUDULENTLY REPORTING on my credit report. I spoke with a supervisor at Equifax on XXXX XXXX XXXX and was told they would contact me within 4 days with dispute results, they did not. I then called and spoke with a XXXX, she would NOT let me speak with her supervisor. She would NOT remove these fraudulent items. She also WOULD NOT remove the items reporting as late pays that were NOT EVER late. I have written formal letters again more recently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX and submitted them by mail to the bureaus along with my correct indentification and supporting documentation.according to the law, they must respond within 45 days of recieving my letters from their investigation. They must provide me legal notorized documentation from the lenders proving these items are mine or else they MUST REMOVE THEM. I called to notify them twice now and was told they would not remove them. This is a direct violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XX/XX/XXXX Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX XXXX : Synchrony Bank Credit Card access Blocked I am Synchrony bank customer member since XX/XX/XXXX and I am enjoying all benefits since begin. XX/XX/XXXX I am try to use my credit cards and its not working. I am so disappointed all my synchrony bank credits card blocked without any future informing .Please explain to me why is blocked my all credits card after 2 years using. Following credit card blocked - Care credit Account ending in XXXX - CarCareONE Account ending in XXXX - Chevron and Texaco Visa Card ending in XXXX -JCPenney Credit Card ending in XXXX -GapCard Account ending in XXXX -Old Navy Card Account ending in XXXX XXXX, XXXX XXXX Account ending in XXXX -Amazon.com Store Card account ending XXXX XXXX -TJX Rewards Credit Card account ending in XXXX -Walmart Master Card account ending in XXXX XXXX XXXX Card account ending in XXXX - XXXX XXXX Visa Credit Card account ending XXXX -XXXX  XXXX Credit Card account ending XXXX attached my income details Bank Statements, Pay Stubs Physical address verification ( Credit Card Statement XXXX ) and Permanent Resident Card and California Driver License Please reactivated my cards as soon as possible. You need more information call me ( XXXX ) XXXX Thanks. 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 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My student loans are handled by Navient. When I completed XXXX school in XX/XX/XXXX I was under the graduated repayment plan. This plan indicated that my loans would be repaid in 10 years. I have not changed my status and I have made all on time payments. When I looked at my loans recently I was shocked to see that the loan end date for the majority of my loans were in XX/XX/XXXX. That is 30 years post graduation and a far cry from the 13 year repayment plan. I want to know what steps can be taken, if any to repair this. I have in good faith made payments only to find out that I will be paying until I retire. When I spoke with the Navient customer service representative he sent me repayment information schedule that states that the repayment plan is a 10 year plan, which does not represent what I am currently paying.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We have been having issues, the same ones for years. 
We paid our escrow total and they misapplied the funds. 
we paid XXXX to principle and they misapplied the funds-AGAIN. 
We have tried to contact their ombudsman and she sent us to another person who will now not respond. sent a letter to the XXXX and the XXXX of XXXX NC. 
Please help. we are seniors and can not afford for them to take our money when we are try to pay off the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Other service problem

Complaint: Im trying to access my Capital One accounts with another application to try to save me money. But XXXX policy does not allow this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX account was closed by XXXX XXXX, earlier, than sold to portfolio recovery, put in collections, I disputed, they removed in XX/XX/2015 and put it right back on again the same month. 
this account was over 7 years old and was dropped by XXXX XXXX. for {$540.00}

Company response to consumer: Closed with explanation