milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2016 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I recently reached out to XXXX to help me with loan consolidation. They took advantage of me not really being well educated on the matter and got private information and an upfront payment for services. Upon further research that night, I discovered I could do that for free and that it 's a scam to take money upfront for loan services. I reached out to my credit card company to block payments and dispute the charge. I proceeded to reach out to the student help center where they gave me the run around to get in touch with compliance to cancel the service. I have left voicemail and emails to multiple departments with no response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2016 about Payday loan () with Acceptance Solutions Group, INC (TX).
Issue: Can't stop charges to bank account

Complaint: I have set up certain days to have my payments pulled from my account and this company has pulled 6 times in the last 5 days and has cost me XXXX dollars in bank fees.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (I do not know) with Global Credit & Collection Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since the beginning of XXXX 2015, Global Credit & Collection Corp has been leaving voice mail messages on my answer machine that they are a debt collector and I need to call them at XXXX. They have called at least XXXX times. I do not have any debt so this is either a scam or a call to a wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (VA mortgage) with DHI MORTGAGE COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: In XXXX of 2015, upon retiring from the XXXX XXXX, I initiated contact with XXXX XXXX with the expectations of initiating my first home purchase utilizing my VA home loan benefit. After conferring with a real estate agent that worked for XXXX XXXX ( the wife of a former friend of mine ) she convinced me that I should have a XXXX bedroom home built in the XXXX XXXX XXXX XXXX neighborhood of XXXX XXXX, Florida. During these initial consultations, the agent convinced me that I would have to tender a down payment " in order to guarantee my desired lot location ''. Considering that this purchase would be a VA loan, I was hesitant at first, but she insisted that my money would be returned upon closing of the home. Furthermore, she also stated that the only way that I would lose my down payment was if I backed out of the purchase agreement. Believing this, I tendered the required payment via my wife while I was XXXX as a XXXX XXXX in XXXX. After six months in XXXX, I received news that I had been accepted for hire by the XXXX back in my home town of XXXX, Florida. Upon receiving this news, I returned home expecting to start work immediately. Upon returning, I was informed by the XXXX that it would take a few months to complete all of my new hire paperwork. During this time, my new home was being completed, with an expected completion date of XXXX. I returned home at the XXXX. Once I learned that my hiring would be delayed by a few weeks to a few months after completion of the home, I shared this information with the XXXX XXXX mortgage broker. Without any further consultation with me, she promptly informed me that my home purchase would have to be cancelled until such time as I could prove that I was receiving a pay check from my new employer ( during this time, I was receiving retirement and XXXX compensation, as was my wife, totaling approximately {$XXXX} a month, which would balloon to $ XXXX a month once I was able to start at XXXX XXXX XXXX XXXX ). Although I was disappointed by this decision ( I really wanted that new home! ), I capitulated to their decision and requested that my down payment money be returned until we could start the process anew once I received my firm hire date. Upon asking for the return of my funds , XXXX XXXX personnel informed me that my money would be forfeited as " damages '', but that I could receive the funds back if I purchased a different home within six months from the date of their forfeiture decision.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage is with Penny Mac. It has a PMI fee that we have been paying. Per the original agreement. As of a month ago the Loan to Value dropped to 79.79 %, which was to trigger a stop on the PMI. I notified Penny Mac that per our agreement to stop charging me for the PMI. They refused until I PAID for a re-evaluation of my home. This was never in any documents. As a matter of fact I have a letter from Penny Mac dated XXXX/XXXX/14 that states ; that the PMI would be terminated when the Loan to Value reaches 80 % or lower than the " Original Value ''. It has reached that level and they now want me to pay for the home assessment before they will terminate the PMI. This is not part of the agreement. 
Please Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Other debt) with The Receivable Management Services Corporation (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/2018, I received a letter from The XXXX XXXX XXXX, XXXX stating that they had previously sent me a notification of a debt that was owed by me in the amount of {$180.00}. I never received the first notice regarding this debt, and therefore was not afforded to opportunity to validate the debt. The notice also states that they first mailed me a notification of this debt on XX/XX/2018. That day was a Sunday, so they could not have mailed anything to me on that day.

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
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: Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 'm impacted by the recent Equifax breach. My information is available to whomever obtained this data. They knew about this issue for 3 months and barely made people aware of this. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My loan payments were initially " bi-weekly '' for auto loan. Some time ago I have been on  XXXX  where I am only receiving income once per month. I 've talked to the company SEVERAL times to switch my payments to monthly. No one seems to know what happened to the initial request. Maybe it vanished ... I do n't know. I receive several phonecalls a day from the lender bombarding me to make a payment with out discussing the request that I 've put in. Th e Lender also does not show how payments are being applied to your loan. They have all other documentation on their website with the exception of this feature ( red flag to me ). I would like my payments to be switched to monthly instead of biweekly ( which the len der said is possible but my request is completely not noted ).

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 11/14/2016 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XX/XX/2016, I received an alert from XXXX XXXX. Once reviewing my report, I noticed that Midwest Recovery System placed a collection on my report. I have no idea/knowledge about this item. I havent received any notice regarding this collection. However, it was placed on my credit report without notifying me and allowing me to request debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (Conventional home mortgage) with Stearns Ventures, LLC (CA).
Issue: Trouble during payment process

Complaint: I refinanced on XXXX XXXX, XXXX ; title collected the first installment of the property taxes through the refinance and later I found out that my current bank at that time sent the payment for the first installment of taxes to the county as well. 

I contacted the county and they provided me with a print out showing the payment Stearns Lending made for the 1st installment of taxes were refunded back to them on XXXX XXXX. I have been calling Stearns Lending since then to get this refund back and they kept telling me that they are going to send it but they just do n't. Last time I called, I spoke to a manager and he said they just needed confirmation from the payoff department and that the check was on his way. Not sure what confirmation they need since the loan was paid in full on XXXX XXXX, XXXX when the refinanced was finalized.

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 06-01-2016 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (AZ).
Issue: Account opening, closing, or management

Complaint: My family booked a room for two nights direct with the XXXX website for XXXX Arizona. However, it required joining their Wyndam Rewards club. Did that and it promised to give a XXXX dollar credit if I also applied for the Wydam Rewards Visa card issued by Barclays Bank Delaware. I checked to do that and apply the credit. No such luck. Instant denial with a XXXX credit score at XXXX XXXX ( the one they used ). Booked anyway since was my birthday get away. 

Two weeks and a day later, the credit denial letter came. But, the motel room was not acceptable and we stated at the counter we could not stay in such a horrible room another night and asked to be let out of a reservation for the second night. Manager/owners refused. 

XXXX and XXXX companies are playing the game and will not stand behind their quality policy which is readily available. XXXX was on bathroom door. Sheets dirty and soiled. The worse part was my side of bed had a sheet ironed which became brown and had a XXXX inch or so spot which was as course as sand paper # XXXX. A video shows and allows you to listen to the sound of this spot, ruining the use of the bed for the first night. 
XXXX The video says it all. 

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 01-01-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have an account with Care Credit. I have always paid more than the minimum payment due. Recently I came out of the grace period for no interest charges. Since this happened I am paying {$50.00} in interest each month. Only half of my monthly payment is going towards the principle of what I owe. I am on Social Security with a fixed income. I can not afford to pay this much in interest each month. I called Care Credit and asked was their something I could do and they told me to make higher payments each month which is not possible. I ca n't afford what I am paying.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Prior CFBP and XXXX mortgage situation complaints from XXXX forward for my previously owned address : XXXXXXXX XXXX XXXX  XXXX, SC XXXX bear on this situation. I have had an ID fraud Equifax information breach and an inaccurate loan for XXXX came back on my report as an active mortgage loan for the above address. This loan is also inaccurately reflecting on Experian. My home at the above address was removed from XXXX XXXX XXXX ( bank dropped the house ) and XXXX attempted and illegal active service VA loan to restore the house. I did not accept or pay on this loan to the house. New loans were sought and could not be acquired for SS # ID fraud going on at the time. XXXX XXXX XXXX sold the property to new ownership and the new owners evicted me from the property in XXXX. See the attached documentation. This loan is not viable and a fraud attempt to regain a mortgage I do not own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2017 about Debt collection (Other debt) with GLENN ASSOCIATES MID-ATLANTIC, INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted this company previously in regards to an account they furnish on my credit file. I requested that the company provide me with a contract or documentation bearing my signature and they have done so however, their is no record of billing. The balance owed is just on an alleged move out statement. To the best of knowledge this unit was sold and the contents contained in it was more than this balance because this balance being reflected is not correct. I asked for a complete billing record and was not provided. I also requested documentation from the sale of the unit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage servicer is lender live. i refinanced last year in XXXX. at the time of closing i paid down 3 month of escrow for my taxes and also prepaid interest XXXX. right now my loan servicer is raising my payment by {$110.00} because they claim that i need to have additional 2 month cushion for my escrow. initially when they took over my mortgage they were asking me to pay the insurance which numerous times i rejected it because i want to deal with my insurance myself and now escrow for my taxes. servicer will not return phone calls or respond to messages. last conversation i had with them they told we will raise your payment and we will do it at any given time when there is a change in your taxes. my taxes are {$690.00} a month and based on projection for 2016 it will come up to {$690.00}. why should i pay {$110.00} every month more. i refinanced to lower my payment and this servicer is telling me flat out you will pay more. i can not afford to refinance again to lower my payment and get into another servicer who will do the same

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with Nations Recovery Center (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This compliant is being sent to Nations Recovery Center in response to a listing on my credit report.Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company, and a bill is not  a contract for an alleged debt.     At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) th is action might constitute fraud under both Federal and State Laws.     Which are is Violation of the following : The Fair Credit Reporting Act The Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this compliant, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Other service problem

Complaint: Every time i created an account with them, they disable my personal account. Why???? If you can't provided to all U.S person, why  this crazy institution say we can send money via online too...??????? XXXX.......Say. This company is soooooooo humane rise tooooooo many people in USA.Thanks,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: My daughter purchased a car from Santander bank. She has made all the payments and the car is completely in her name a XXXX. I made XXXX payments for her because she needed some help in XX/XX/2015. I am not sure what happened but the next thing I know Santander is calling me to make a payment for a car I was not liable for. It got so bad that one of the representatives told me I was liable for the car and they kept telling me I was. I finally got sick of it and got an attorney due to the continued phone calls. To my surprise they offered a settlement of paying off the car with a little cash but I have to turn in the car. How can I possibly turn in a car that does not belong to me. I did have another loan with Santander where I co signed for a car but that car a XXXX was repro 'd and I take full responsibility for that but the XXXX has nothing to do with them calling me and demanding payment for the XXXX. I am so frustrated at this point. There are recordings of calls made to me after the XXXX was repo 'd that had nothing to do with the XXXX it was about the XXXX. My daughter is now seeking legal advice as well based on Santanders actions. I do n't understand why they still believe I have ties to the XXXX when all documents ( the contract ) does not have my name anywhere. I think Santander is ridiculous and should get their books in order.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They have n't removed XXXX address where I have never lived and it has caused me problems when I apply for credit. The addresses are XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I have lived in only XXXX states in the past 45 years and that 's XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: XXXX   XXXX   XXXX    XXXX   has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX     2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with the  Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my  credit score at t he moment.

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