milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2017 about Consumer Loan (Vehicle loan) with Foreman Financial Inc. (CA).
Issue: Managing the loan or lease

Complaint: I received a car loan for which I made two years payments for, on a three year loan. After the car was impounded in 2013, I attempted to work with Forman Financial and their collections department, and was told loan docs and payment history would be sent so we could work out a payment plan. However, the documents I requested were never received and the loan was charged off. I would like charge off removed and the amount reflected in the report to show what was owed after the two years payments and XXXX down payment. I am also requesting copies of the loan documents and payment history. Also my credit report shows that they recently increased the loan amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX, there is incompetent unproven sloppy blunders, concerning this ongoing issue with a criminal slumlord, that tried to scam and cheat me with worthless unrentable property. THE facts and irrefutable proof is with the City of XXXX, CA Code Inspections DEPT. Took XXXX days and XXXX visits to get this imbecile accountable. XXXX XXXX. This fraudulent and stupid blunder stating the injured party ( myself and my wife ) was evicted by a bias retired judge is criminal and punitive. I have rented XXXX years never been evicted. I do n't start now because I met XXXX trying to scam me and obvious retaliatory ( illegal ) eviction. This incompetent idiot on the bench was reported to the California assigned judges program, PLUS this disgraceful XXXX of justice is now at the California XXXX XXXX XXXX for review of incompetent jurisprudence/bias. emphasis added. I 'm sure these same sloppy blunders are in my wifes credit file also. XXXX XXXX ( ALL ) XXXX credit agencies. These are all harmful, negative blunders. Contempt without investigation is a TORT violation in california.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with RMB, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: RMB Inc have still not removed the collection from my credit file, which was placed which I was filing for state assistance.  I have contacted XXXX XXXX, they did not tell them to place this account on collection to credit reports! They asked them to hold the account!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, XXXX XXXX XXXX, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home.
In XX/XX/XXXX I took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week.
On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XXXX and XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XXXX arrangements with XXXX, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract.
Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.

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 07/16/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently filed a complaint with the XXXX regarding Bayview Servicing mortgage company. Recently I refinanced my mortgage through a different mortgage company to get away from Bayview. The customer service is horrific and each time you call a representative tells you something different the information provided is consistently inconsistent. I have made over a XXXX attempts to contact Bayview regarding the my XXXX mortgage payment which was paid on XXXX XXXX, 2015. When I requested a payoff statement the statement indicated that monies was due for insurance, mortgage payment and " potential late fees. '' This evening I spoke with a representative and she stated that she has limited supervisor support in the evening and could not provide me with any information regarding my account. The representatives are not knowledgable regarding the product and/or services that Bayview offers. Please help me with obtaining any and all funds owed to me by Bayview. My loan that was sold to Bayview is paid and full which included inappropriate charges. I called many many times to challenge the pay off amount and was told that the amount was correct. The loan was paid off and now I have to fight with Bayview to get my money back. They are rip offs and should not be privileged to service mortgage borrowers. I have spend hours and hours on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Nelnet took over my loan from XXXX sometime last year without telling me. Now my automatic deductions are NOT being made and I can't even get anybody to give me my account number so I can fix the problem. I've sent several emails and some were ignored while another was replied to with some secure email that I couldn't even open! I replied back and told them to send a REGULAR email reply because my email was password protected but I never got a response. These people are obviously scammers who have no business being responsible for other people's money!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However XXXX is still reporting it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Unsolicited issuance of credit card

Complaint: Costco transitioned from an XXXX to a Citi Visa card. I made arrangements with XXXX to keep my card and called Citi Visa on XXXX/XXXX/2016 and spoke to a XXXX who told me that they could not cancel an account until after the transition took place. XXXX would not give me an employee number or call reference number. I called back when I received XXXX new Citi Visa cards on XXXX/XXXX/2016 and told the operator I did not want this account, that they did not have my permission to open a credit line in my name and to cancel the account. The operator told me that all I had to do was not activate the cards, cut them up, and the account would never open. They told me they could not open an account without my activating my card. I received my first statement today ( XXXX/XXXX/2016, for {$0.00} ), called the general line and learned that I had an open account with a credit limit of {$14000.00} ( and a large cash advance option ) with Citi Visa. I finally spoke to XXXX who told me I did have an active account, that it automatically rolled over from Costco. I told him this was a fraudulently opened account and to cancel it immediately. He started the regular " well we can offer you ... '' then I mentioned I was contacting the CFPB and he promptly canceled the account and apologized, so thank you, your name alone is doing XXXX work. XXXX also flatly refused to give me any internal call tracking number that I could reference in case they " lost '' record of my cancellation. I also noticed Citi Visa reserves the right to share my personal information with their advertising partners, I assume the damage was done the moment they fraudulently opened the account in my name without my permission. I also assume Citi Visa is going to report to XXXX, XXXX and XXXX an account for XXXX that was open for one month then closed, negatively affecting my credit report. I 'm glad they 're still serving the taxpayer after that $ XXXX ( and priceless government backstop ) that we gifted them.

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 08-10-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I was in receipt of a notice from Bank of America 's attorney of record that my home was in foreclosure. The notice explained that I could apply for Conditions for Continued Occupancy and included form XXXX ( Request for Occupied Conveyance. I responded to this notice that I received twice. I never received a response from Bank of America to indicate whether or not my request was approved or denied. I am now in receipt of a Sherriff Sale notice dated for XXXX/XXXX/2016.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX/XXXX/2017 - Experian is charging Washington State residents {$11.00} to place a security freeze when the allowed maximum amount is {$10.00}. XXXX and XXXX  both charged the expected {$10.00}. My complaint is Experian is overcharging what the Washington State law allows. When I called Experian, the person told me she did n't know why I was charged {$11.00}.

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 explanation
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MI).
Issue: Settlement process and costs

Complaint: I refinance my mortgage on XXXX XXXX, 2012 with Quicken Loans and I feel was excessively over charged to refinance my mortgage. My mortgage was with XXXX, XXXX but they do not refinance so they referred me to Quicken Loans to refinance my loan. My loan balance with XXXX XXXX was {$77000.00}, the total fees, cost, and charges by Quicken Loans were {$8300.00} which my new loan balance was {$85.00}, XXXX. I did voice my opposition to the {$8300.00} charges but the loan officer had the attitude and position of take it or leave it. About two months after my closing, Quicken Loans did refund me {$1200.00} admitting their error in over charging fess and cost that should not have been rolled into my mortgage. Quicken Loans since sold my loan back to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Other debt) with Midwest Recovery Systems (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Field a dispute around XX/2017 about a collection that is not mines company said it was mines and that it 's going to stay on my credit report I disputed this collection with XXXX and removed it but they will not removed from my XXXX.I would like to have this collection removed

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Struggling to pay mortgage

Complaint: X/XX/2017 I received a response to the last complaint that I submitted. The response was that the bank will lose too much money to sell it at market value with the liens, closing costs and commission. I asked for a counter offer, or an amount that the bank is willing to accept so I can list the property at that value. The bank refused to give a counter offer or a number that they are willing to accept. -The banks reasoning is that market values, closing costs, and commission changes regularly. -There has to be a number that they are willing to accept or they will accept anything. There is a threshold and refusing to tell me that has seriously hampered my ability to short sale the home in a timely manner. -This has forced me to do a deed in lieu instead of a short sale. -I will be watch this property closely and if it sells for less than 68k I will be bringing a suit for Tortious Interference and Deceptive business practices. -I have tried to short sale the home with this handicap for 22 months. - I was very hopeful that the offer matching the market value would be accepted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with ERC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Back in early  XXXX  I moved to a different area and had  XXXX   XXXX . When I found out  XXXX  could not service my new address I canceled the contract. Knowing that if they could not service my address the contract would be void, I was not worried about paying out the contract. I also had a conversation with a  XXXX  representative that confirmed the same. About  six months down the road   XXXX  with  XXXX  {$850.00} from my checking account without any prior consent or knowledge. They claim that that was the balance of the contract. I contacted them to dispute this since they could not service my address and a representative told me that that must 've been a mistake. However, the only way I got my money back was filing a dispute with my bank. I won the dispute got my money back and all was fine. Then, In  XXXX  I went to buy a home was preapproved to build a house. On the final days they had to pull my credit report which would 've been early  XXXX ,  XXXX  had sent that balance of {$850.00} to a credit reporting agency, dropping my  credit score . It is now placed on my credit report as money owed which clearly I want my dispute and should not be on there. It is falsely on my credit report. I would like to get it removed immediately before I decide to take some other kind of action. Would you be able to help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to place a credit freeze at TransUnion. I answered one question incorrectly, but was unable to correct it so I was locked out of the system. I tried for hours to contact TransUnion and was on hold the entire time. I then tried to find a way to email TransUnion and there is no option for emailing. My only option was to write a letter, and according to the website it could take 30 days to get a response.

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 12-08-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX in XXXX, MA and graduated in XX/XX/XXXX with a XXXX in XXXX. I have XXXX outstanding XXXX XXXX ( now Navient ) " Smart Option '' loans and the six month grace period has ended. The principle & interest payment of {$850.00} have now come due starting XX/XX/XXXX, this payment is based on a 10 year payback term ( I believe ). I have contacted Navient in an effort to discuss repayment options available to me and was told because of the type of loans I have, I can not be considered for an extended repayment. The only program that I could qualify for is a temporary rate reduction, which will only reduce the monthly payment to {$670.00} for 15 months. I feel that it was not made clear to me back in XX/XX/XXXX when I took out the first Smart Option loan, that this type of loan would not be eligible for any time of extended repayment plan. I thought by choosing a loan where I paid a small monthly payment while I was in school, it would help pay down the interest a little bit and reduce the monthly payment. It seems I 'm being punished for making monthly payments while I was in school and now that I 'm out and only earning a low salary, I have no options to extend the repayment terms. I 've spoken to supervisors and a manager at Navient and have n't been able to make them understand that a temporary rate reduction or a forbearance will not solve my problem. My main concern is that XXXX XXXX did n't make it clear that by choosing a Smart Option loan your repayment options at the end are extremely limited. I was told that the original promisory note that I signed states that it is a fixed payment but my understanding was that they were referring to the $ XXXX for each of the XXXX loans during the time I was in school. I feel that XXXX XXXX demonstrates deceptive and unfair loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (FHA mortgage) with PLAZA HOME MORTGAGE, INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX loan with Plaza Home Mortgage Company. Due to no fault of my own, the construction project was delayed and an extension was granted. The project is still only a couple of weeks behind schedule. I requested a 2 week extension and was denied. I was also threatened with foreclosure and was told that I am on a final HUD default list. I have been making timely payments and have not missed any payments all throughout the duration of the loan. I have spoken to the XXXX administrative processor and his supervisor, to no avail. They both refused to allow 2 more weeks to finish the construction. Unfortunately, after they threatened foreclosure, they have been purposely delaying the processing of the contractors XXXX draw and do not return phone calls in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When i initially borrowed my student loan i was never notified that it was only a 7 year pay back period therefore making my monthly payment extremely high. After complaining to Navient they said i had no other option except to use forbearance up to 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Bank account or service (Checking account) with NETSPEND CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I am currently using Skylight Financial as a direct deposit/checking account, through my employer XXXX XXXX ''. I need to rent a car why my car is under repairs. I found that Skylight tacks on an additional 15 % of blocked fees when the car rental agency places a hold for the rental. XXXX states very clearly how much they are holding, but skylight adds 15 % and states its a federal law they must abide. I can not find any federal law that requires banks to increase holds on car rental fees. I have made over a dozen attempts to communicate to my bank that I believe this to be a unlawful activity, but they refuse to work with me or correct the behavior. If they are doing this to me, how many other innocent people are going through the same act? This could not possibly be a legal or moral act of a bank to perform harsh '' er '' penalties to a customer just trying to get transportation to work and other crucial commuter needs-its just plain cruel!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (I do not know) with Big Picture Loans, LLC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: BigPictureLoans is claiming that I signed an agreement for them to take five payments of {$180.00} before any of payments will be applied to a principal balance of {$520.00} borrowed. I have paid them {$910.00} with a remaining balance of {$700.00}. I called the company to question the terms of the loan and they say that I agreed to these terms. I told them that clearly I did not understand these terms and that I would like to be refunded what I paid over the principal balance and one of the finance charges with my account being closed as paid in full. I was then told by the fifth supervisor in the overseas call center that I can make another payment and they will then close the account. I was told that my call could not be transferred to the home office in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional fixed mortgage) with KEYCORP (OR).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX with XXXX. I have been hired by the sellers to help facilitate a short sale on their behalf. I have been working diligently with PHH Mortgage on getting them the docs they need to get this moving however for the last 3 months the file has been stagnant. Not even the negotiator from PHH can tell me what is going on. All I hear is it is with the investor. The sellers are upset, the buyers are losing hope and the agents are furious. 
It seems PHH Mortgage is keeping this loan for some reason and does not want it to have a short sale.

Company response to consumer: Closed with explanation