milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian credit bureau is being un-fair in their request for a credit freeze in order to get members to sign up for monthly payments! I was a payed customer in Experian for credit monitoring. For paying customers, they offer a Credit Lock, which is more or less the same as a credit freeze. After I cancel my payed account the Credit Lock was cancel and so I wanted to put a credit freeze on my account. Although I was a credit monitoring service member and Experian has all my information and verified my identity ( as part of a new member procedure ) every time I tried to place a credit freeze on my credit I get the message we were unable to process your request please submit your request by mail. This is completely unfair! They have all my information! I am able to log in as a member, I am able to pay {$9.00} a month to put a Credit lock on my account in one step but have no way to put a Credit Freeze on through my account! otherwise how will they sell the Credit Lock? In all the other companies ( XXXX and XXXX ) I was able to put a freeze in one step with no trouble, only Experian are using an unfair tactics to gain paying customers!

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 12-05-2017 about Mortgage (VA mortgage) with Dovenmuehle Mortgage, Inc. (MS).
Issue: Trouble during payment process

Complaint: XXXX XXXX and XXXX XXXX has contracted with XXXX XXXX XXXX XXXX to Service my VA home loan. The problem has I contacted XXXX XXXX  XXXX and requested to have my mortgage escrow removed since this is a new loan I have neither been late on his mortgage and the annual taxes and homeowners insurance are current. As a VA borrower, I have the right in the state of Mississippi to have my mortgage escrow removed and it should be honored. This company has also not refunded my escrow funds that were collected from my previous mortgage company XXXX XXXX which violates the Mortgage Servicing Clause in Release tractions amendments of the state of Mississippi.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX regarding an account. The written letter offered the option of " XXXX payment of {$430.00} '' and that my " account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$430.00} ( please see attached payment receipt and bank statement ) and XXXX XXXX reported my account as " Reached An Agreement With A Lender To Repay Only Part Of The Original Debt ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.

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 01/29/2016 about Debt collection (Mortgage) with ResidentCollect, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I responded per the FDCP Act Validations of debts with a phone call. I attempted to advise the company that this is an open court case that has no decision for any debt owed. I was told I had no rights unless I was an attorney. When I read the Fair Credit Act I was told they would continue to collect in violation of my call. The letter is dated XXXX/XXXX/2016 and my call was placed XXXX/XXXX/2016 after receiving the mailing. The representative first did not identify herself then said her name was XXXX. When I told her she was violating the act and my rights as a consumer requesting to speak with a supervisor, she placed me on hold and then came back and hung up. When I called back the phone call was sent to voice mail and I did leave a message letting them again know this was an unlawful harassment and that I did not consent to third party involvement in an open court case and that it required settlement in court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Nevada Credico, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My personal belongings and vehicle were stolen from  XXXX =My locker was broken into which the police said it was probably an inside job=they would not let me see the camera 's to see who got into my car=several people has articles stolen different day.s. I owe {$23.00} for  7 mo . as this happened on  XXXX ,  XXXX  which I lost {$3000.00} on my car plus another to get another one- I talked to them-filed a police report and now they asking for {$300.00} and some dollars. Way above what I owe. I think they are targeting senior citizen as now I 'm afraid to go there and they wo n't. cancel the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Good morning, I understand what the law says about the credit report and filing for a bankruptcy but I believe it is not fair that if I file for bankruptcy and the case was dismissed that it is listed on my credit at all, if at the end of the day the government funds were not use to get out of debt why is it being reported at all and damaging my credit? I went through a rough period of my life as many Americans from XX/XX/XXXX to XX/XX/XXXX that filing for bankruptcy was my only option for my piece of mind since I was going crazy not being able to pay off my debts as I wanted to, but the case was dismissed because I was not in the US at the time of the court ( taking care of a personal issue in XXXX ) and I decided not to continue filing the bk after that, still my credit was affected and I've been working hard to restore it, but the bk that I never received a benefit from is still showing and from what I see it will continue coming up for another 3 years. Please if there is a way to have that bk removed please let me know how, or if some amendment to the law can be done to help us consumers that dismiss the cases to have the bk removed would be greatly appreciate it by me and many Americans. 

Thank you

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 06-06-2015 about Consumer Loan (Vehicle loan) with New Century Auto Sales, Inc. (OH).
Issue: Shopping for a loan or lease

Complaint: I am a XXXX year XXXX mom who has been driving for one year. I needed a car so that I could get to and from my full-time job. I found a used car dealer who also has financing. When I went to the dealer I was alone and thought I had enough basic knowledge about purchasing a used car. Well, after high pressure sales tactics I drove the car home. The very next day I went back to the dealer to return the car. They laughed and said that I could not return the car or get out of the contract. Worst part is they reminded me that if I do not make the payments they have a device on the car that shuts the engine off while driving. This seems so wrong on many counts. No XXXX else that bought a car has this device on the car. My credit was not even that risky it is just that I was only interested in a late model car, which new car dealerships do n't offer. What a scam. I purchased a 2004 chevy with XXXX miles on it that was only worth less than {$2000.00} for {$19000.00}. I gave {$800.00} as a down payment and they also forced me to buy an extended warranty that does not cover anything that broke on the car while I have owned it. The car has had many breakdowns including the brake lines breaking with my baby in car, along with a rats nest in the engine. The dealer claimed to complete a full all points ( XXXX ) inspection prior when the mechanic said all the breakdowns should have been corrected with an inspection. My payments are {$200.00} biweekly and if I am even late XXXX day they shut off the car engine by remote control. PLEASE HELP ME. I believe what I have repaired and paid for this car exceeds what anyone should have paid. I wish to either have my money returned or keep the car and owe nothing. Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (FL).
Issue: Fraud or scam

Complaint: On XXXX XXXX 2017XXXXXXXX on XXXX promised to mail me a set of XXXX pins. I sent her : {$33.00} of my PayPal balance and {$69.00} to pay for it all. She never shipped my pins and is a scammer. I talked to other people on XXXX who were scammed too. I reported this to PayPal and PayPal did not give me my money back. I want my money back. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This company has been contacted by my attorney numerous times, in writing stating that two of the accounts they continue to show on my credit report are included in a bankruptcy and need to be corrected yet they continue to report these accounts as being correct on my credit reports. I have tried to contact them by phone since they still refuse to remove the accounts but no one will return phone calls. They show on my credit reports as a medical bill but I was never given copies of the bills they are attempting to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Transaction issue

Complaint: XXXX / bank of america Issued a check to my loan with XXXX without my authority and will not recover it from the loan. Many many calls and hours on the phone with no results

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 09/30/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle XX/XX/2014 from XXXX XXXX in XXXX NC. I had purchased XXXX other vehicles in the past from the car sales men. So ... I trusted him. I purchased a XXXX Dodge Avenger new. I traded in my Ford Explorer. He told me, purchase this car under this contract, pay your payments on time for a year and come back. We will refinance your loan for a lower interest rate. After the year, I called to set up an appointment to pay refinance the loan. The employee said, " I do not know why you were told that, we do not do that here. Yesterday, I went back to the dealership to try and trade the car in. They said my car is worth XXXX dollars. I owe XXXX. I have contacted the lender of my car to try and work out a way to pay the car off without such a burden of " being upside down ''. They said they can not help me. I dont know how I could have been so stupid or that a dealership would charge me triple the cost of a car. I would like to work out a way to stop the interest acruing on the vehicle to get it paid off quicker. Turning it in will only hurt my credit more. I do not know what to do.I told them I will never buy another car from them again. I make XXXX less than I made when I purchased the car. It is challenging enough financially to pay for the car. What can I do. What rights do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (IL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I obtained a used car loan with TD Auto Finance and was a cosigner for my husband. He became XXXX and could not work anymore, so we asked TD Auto to consider lowering the payments or any other financial assistance for the hardship. They advised that there were n't any options available and the only thing we could do is refinance, which was not an option due to behind payments. At that time we agreed to voluntarily surrender the vehicle. Few months later received a large {$19000.00} bill for the deficiency balance and letters from their attorneys. This company charged very high interest rate on the car loan and were not considerate of the financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (OK).
Issue: Application, originator, mortgage broker

Complaint: Someone else in my neighborhood bought a house, the mortgage company filed a lien document that ended up encompassing XXXX houses in the neighborhood. Said mortgage company then sold it to a large corporation ( Pacific Union Financial ) whom would not return any phone calls or emails from both my mortgage company as well as my title company ( and a third party they hired ). 

We spent over 2 months on this issue trying to get it resolved and were never able to. I received multiple extensions from my mortgage company and ultimately ended up losing the opportunity to refinance at 3.25 % which would have allowed me to save over {$46000.00} over the life of the loan.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with Performant Financial Corporation (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: We have been making payments to performant agency since XXXX. We were told to make a payment plan and pay for 4 months in a row and then we would be released. We had to start over at least 3 times with the payment plan for various reason and also the IRS has taken XXXX income tax returns XXXX and XXXX which is not reflected in the balance. I want to know my correct balance including

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 07-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed a fraudulent account on my credit report from XXXX XXXX. The fraudulent account is on my credit report three times, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts for the same XXXX account and XXXX has refused to removed. This is XXXX XXXX signature on the XXXX XXXX application not XXXX XXXX 's in which she admits. I have provided my signature and XXXX XXXX requested a signature from the year of the contract which is absurd. My signature is my signature and I have provided them that. I have attached a copy where I have contacted the company informing them they have the XXXX fraudulent account on my credit reports 3 times and there has not been an expedited removal. It is against FCRA to have the same account on credit reports. I have also attached my domicile in which I have continuously provided with my signature and showing that the application in which XXXX XXXX provided the information for contact is not mine it is my daughter 's address. They have stated that that I never returned any documents denying that I applied for a loan, that is because I never knew of the loan until viewing my credit reports as I have continuously stated and provided them with my address. My address was XXXX XXXX XXXX XXXX until 2007, then XXXX XXXX XXXX XXXX XXXX I was finally able to get a copy of my contract for my XXXX XXXX XXXX XXXX home showing that was my property until moving to XXXX XXXX XXXX XXXX, which is on my credit report under addresses. I am again asking for this fraudulent accounts to be removed immediately. My next action would have to be legal representation as I have exhausted all reasonable options.

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 10-12-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I recently looked at my credit reports and noticed that XXXX XXXX/XXXX reported negative marks 30 days past due as of XX/XX/XXXX, XX/XX/XXXX on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time.
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 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: I 've contacted each of the credit bureau and requested that they remove an account with   XXXX   XXXX   XXXX   that is reported as as a collection account, but its status is open and the high balance is one amount and the amount owed is much higher as well it continues to increase in balance 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 07-06-2016 about Mortgage (VA mortgage) with Residential Credit Solutions, Inc. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage through Residential Credit solution for the past three years I continually sent information to have our mortgage refinanced. They not only gave me the run-around they continued to put are home up for a Sheriff sale. In the past three years we have put {$30000.00} on our mortgage only now we owe more money then what it was owed. XXXX continually to refinance stating that we did n't give them all the information which was not true they just continually gave us the run-around only XXXX have the company shut down and we come to find out that they done this to other people this company stole from us lied to us and all we want is that money credited properly to our account.

Company response to consumer: Closed
Consumer complaint received 06/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ditech Financial LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is a multiple issue report on Greentree Servicing. Greentree purchased my personal loan from XXXX ( despite me paying XXXX every month ) and has been terrible ever since. The XXXX call I ever received from them was a threat to go to court, despite having never heard of them or being aware that XXXX had sold my loan to them. Past issues with them include them directly lying to me about filing for a deferment that they suggested because I was short on work that XX/XX/XXXX so they said they would give me a deferment and I would n't have to make a payment in XX/XX/XXXX ( this was request was never even filed by the representative ) and recently filing one for two months, and telling me that it was for two months, but it only being approved for one month and no communication of the arrangement being changed until they began calling me asking for the payment that I was n't supposed to have to make. They call every couple of hours from XXXX different numbers ( XXXX in XXXX, XXXX in XXXX ) within ten to twenty minutes of the other call. This company is terrible at working with borrowers and make you feel threatened and belittled at any chance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have sent Experian several disputes letter trying to dispute items off my credit report. It seems that they are finding items that should remain on my credit report. I have sent them letter saying that these are not my account. I have had no contract with these companies. All the credit cared that 's on my credit report was done online. Somebody open up credit cards in my name online.  XXXX  and  XXXX  has deleted these items off my report after finding out that it was not mines. Experian is so hard to understand that these items are not mines. I have received letters from the company saying that it is a fraud and i sent them out to Experian and they still have it on my credit.i have others items on my report that is fraudulent.

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