milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 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: Information belongs to someone else

Complaint: I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!

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 07-07-2015 about Student loan (Non-federal student loan) with AES/PHEAA (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX sold my student loans to American Education Services. They have changed the interest, timing of payments and only have allowed for 12 days for payments. They only wanted to do electronic services, which I had NEVER signed up for with XXXX, nor do I want ever. Postage signed XXXX XXXX due XXXX XXXX. Location of the school is XXXX, Nevada. They have been problematic with telling the truth, told me before they sent me a " welcome package '' never received it, and then proceeded to state the " welcome package '' was emailed. Just being generally untruthful, unhelpful and giving me bad information which I did not sign up for with XXXX XXXX XXXX. They also never sent me anything involving payments, or payment information Via Email. They were just hoping I was going to miss my payments I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Other financial service (Money order) with WESTERN UNION COMPANY, THE (DE).
Issue: Lost or stolen money order

Complaint: Purchased a money order to pay my rent. Landlord returned money order stamped " REFER TO MAKER ''. Contacted Western Union who stated that money order was cashed. I sent paperwork to Western Union to have money order traced on XXXX/XXXX/2015. Have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar Mortgage bought my loan from XXXX XXXX XXXX in XXXX # XXXX First Mortgage in the amount of Approx. {$460000.00} I had obtained this loan directly from XXXX in XXXX. I have been in a Chapter XXXX Bankruptcy since XXXX. case # XXXX XXXX XXXX, CA. In order to get a discharge in XXXX I obtained a 2nd Mortgage in XXXX and paid off all my creditors. As a part of my discharge I paid Nationstar Mortgage XXXX advance Mortgage payments of {$1700.00} which were the remaining XXXX payments in the Plan. I duly obtained the discharge and it was entered on XXXX/XXXX/XXXX as there was a XXXX day wait per the Trustee 's lawyer. 
I have since written to NationStar Mortgage, Called them several time and asked for a receipt of these payments, a mortgage statement showing the next due date of XXXX/XXXX/XXXX. They have not complied in ANY WAY, instead they sent me a copy of the note and collateral agreement showing that they own the loan. Every time I call I get a different and more confused phone representative, I was told that by XXXX/XXXX/XXXX my loan would be removed from the BK Department and would be put back into a normal loan servicing mode as it should be. I was also advised on XXXX/XXXX/XXXX that a Mortgage Statement was forthcoming and the excess amount of {$1700.00} ( Suspense ) in my account will be applied to my XXXX/XXXX/XXXX payment. The excess is due to the Trustee making an extra payment during the XXXX months that they handled my case. 
I contacted XXXX XXXX attorney at XXXX XXXX who claims to represent NationStar Mortgage and told him that I was not getting any cooperation or compliance from his client NationStar Mortgage, he said he would contact them, correspondence is attached. Today I called and spoke with another Customer Service Rep at NationStar Mortgage- XXXX in XXXX , AZ . She said all that I was told was incorrect- she said once an account is put in BK it is never removed and all correspondence is stopped to the borrower, so, I will never get a receipt or anything that I have asked for, when I told her that was incorrect she said " you want to speak with a manager? " I said yes, she transferred me to someone 's Voice Mail and I did not even get their name- just a message stating- Have a Good Day. As you can see despite paying them {$8600.00} and having {$1700.00} in my suspense account, they will not cooperate and hence my complaint. 
I have another issue that I will file a separate complaint on- NationStar Mortgage has sent me XXXX different Form 1098 showing the Mortgage Interest paid for XXXX, all of them are wrong. They have refused to correct that document by telling me that it is correct already.

Company response to consumer: Closed
Consumer complaint received 06/24/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan servicing, payments, escrow account

Complaint: As per [ Case number : XXXX ], When PHH mortgage Stated in a letter to the Attorney Generals office ; XXXX, that my mortgage was paid in full, on XXXX XXXX, 2016. And where they stated to you people, " Consumer Finanical protection Bureau '', in a email, mortgage was paid in full. To this date, XXXX XXXX, 2016, I have not received the escrow money that is due me for the taxes and insurance, in the amount of : {$2700.00}. They did not send any money to the Tax collector, XXXX, Pa. XXXX. Tax Collector XXXX, Phone # : XXXX, nor to the Hazard insurance Company, XXXX, XXXX., XXXX, Pa. XXXX. XXXX phone # : XXXX, in XXXX 2016. My understanding is they had 30 days after pay off to send my Escrow money back to me. Again, I reiterate, we are now in XXXX 2016, three months later. 
On XXXX XXXX, 2016, My attorney, XXXX, from the office of ; XXXX, sent PHH Mortgage a letter asking for the Escrow. The letter was to no avail. No response, nothing. The letter was completely disregarded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: In XX/XX/XXXX I leased a car with XXXXXXXX XXXX in XXXX, NY ( 3 year lease ). In the winter of XX/XX/XXXX I started receiving calls from XXXX XXXX offering me the opportunity to turn my lease in early. XXXX XXXX kept on calling me until finally ( in XX/XX/XXXX ) I went in to listen to the offer. Before even attempting to listen to the car salesman, I asked if I would be required to pay any money ( at all ). The man insisted I would not. The car I was turning in was way under the mileage amount and there were no damages to the car ( besides a few stains on the seat which I absolutely would admit to ). When all was said and done, I turned in my lease and exchanged it for a new lease. I decided that I would come back to exchange the cars due to the fact that I needed to clear items out of the trunk. I returned to exchange cars and, again, asked the salesman if everything was set and done. I asked if the car is okay and all set, and the man insisted " yes yes everything is taken care of. '' Like I should have imagined, it was n't. In the summer of XX/XX/XXXX I  received a bill. I called XXXX XXXX XXXX  requesting a rundown of this bill. The man on the phone could not tell me what I was being charged for and someone said that they would call me back. No one ever called me back. In Fall of XX/XX/XXXX I received a bill from a credit reporting agency. Hyundai had sent the bill to a XXXX XXXX  XXXX. I went into Hyundai demanding to know why I owed the money. The manager of XXXX XXXX claimed upon inspection the car had damages totaling to such a large amount. They also mentioned some kind of fee in which I am required to pay because they did not get the amount of money that they wanted at auction. I told them that I am not paying this bill due to the fact that this inspection was done with none of my input and out of my sight. As well, I was not informed of other fees even though I consistently asked if there would be other fees. Furthermore, even though XXXX XXXX XXXX sent this bill to collections, they are still reporting it as late EVERY MONTH on my credit report. I am taking them to small claims court but I also need something to be done about the reporting that they are doing. It is not right and they participate in predatory practices and underhanded transactions. They preyed upon individuals and when all is said and done they do n't do anything to assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Customer service / Customer relations

Complaint: I have asked Capital One to cancel a credit card I had with them months ago. They still will not close out the card.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I consolidated my loans in XXXX of 2009 to become eligible for the public service loan forgiveness ( PSLF ) program. The servicer at the time was XXXX. Despite documentation from XXXX that my loans were consolidated as income contingent in XXXX 2009, email proof I continued to argue for income contingent between XXXX and XXXX 2009, and documentation supporting that my payment should have been {$0.00} and qualified for PSLF, the current servicer XXXX has taken over a year to review my appeal. I have provided supplementary material twice and requested to see the documents provided by XXXX demonstrating I requested a forbearance when it would not be in my best interest and I have proof to the contrary. My requests for documentation have been ignored. Each time I provide material I receive an email stating that information provided by XXXX shows that my payments did not count -- yet I 'm not being allowed to view that information. This assertion, if not corrected, will cost me 7 months and XXXX {$3000.00}. I had an attorney send in a letter in XXXX via certified mail. We were afforded no response and I was required to re-upload the documents in XXXX despite having the mail receipt. 

This issue is similar to the issue I faced with XXXX where my repeated requests to lower my interest rate to 6 % were ignored. For 14 months I have been trying to find the number of payments and dispute those payments and I 'm being slow-rolled, kept in the dark, and provided with non-responsive answers. I am happy to provide your office with the letters I have written, the letter prepared by the attorney in the legal assistance office at XXXX, all of the enclosures backing up my arguments, and the non-responsive emails provided by the servicer. 

The cost of a lawsuit will most likely exceed {$3000.00} and the 7 additional months it will take before my loans are forgiven. I am being treated as if there is no recourse mechanism. I know there are XXXX other individuals facing similar issues with the PSLF program stationed in my area alone. For instance, if a servicemember pays just XXXX dollar more than what is owed, the payments do n't count and they tack months on the back end towards forgiveness ( that practice smacks of loan-shark-like tactics ). I had to fight for months to have my loans consolidated and I have to fight each time my loan is transferred. I hate to reach out for help but XXXX has exhausted my patience. Any help you could provide would be much-appreciated. 

My issues started after I consolidated into the PSLF program after I graduated from XXXX and started in the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Summit Collection Services, Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX I received notification from XXXX XXXX XXXX advising XXXX XXXX XXXX XXXX XXXX, has placed an inquiry on my credit report as an " Installment Loan. '' I contacted the company and spoke with XXXX, who advised they pulled my credit report in order to obtain my current information in an attempt to collect a debt. The credit reporting agencies regard inquiries as a statement of fact. This company obtained my consumer report under false pretenses and knowingly without permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (NJ).
Issue: Trouble during payment process

Complaint: This is what I sent to LoanCare with their contact information Dear LoanCare I am writing you because I believe I received late charges that I did not deserve. I would like the charges refunded or taken off my principle. 

this month I made 2 mortgage payment one was receive and the other was not. 
Please view a payment made on the XXXX as well as the XXXX. The payment on the XXXX was processed after a number of days but the payment on the XXXX was never process. 
the XXXX payment was received ; the XXXX payment was denied for bad check reversal. When I called Loan care I was told I did not use the correct account and routing number. I checked with my back who told me I was using the correct account and routing number. 
Further I have resubmit my payment with the same numbers and it was receive with a late charge. I would like the late charge returned. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Loan Inquiry : LoanCare XXXX. XXXX  XXXX XXXX   XXXX, VA XXXX Attn : Consumer Solutions Department Payments : LoanCare XXXX XXXX  XXXX XXXX, PA XXXX Notices of Error/Information Requests : LoanCare XXXX XXXX XXXX XXXX XXXX, VA XXXX Attn : Mortgage Resolution Overnight Address : LoanCare  XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Sent from my 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 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a debt collection agency calling to collect a debt that I do not owe. I send a letter to the agency requesting a Validation of Debt within 30 days. This time period has passed, and I have not received validation. I had also requested no further phone communication, yet I received another collection attempt over the phone on XXXX/XXXX/15 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: capital one is hitting me with a 30 day late on my credit report. 

between XX/XX/XXXX-XX/XX/XXXX i had setup automatic payments via their website. the payments were supposed to come out of my account on the XXXX of every month. for some reason capital one never withdrew the money from my account. 

Capital one didnt contact me via phone until i was 36 days late. i immediately paid the balance owed. 

now i have a 30 day late on my credit report if capital one system would hav eworked correctly or they had contacted me prior to the 30 days, this would not be an issue i dont think my credit should be stained because capital one system didnt work properly. 

at this point capital one has told me there is nothing they can do. i know this to be false. 

i havent been late on this or any other card in the last 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Payday loan, title loan, or personal loan (Installment loan) with CNG HOLDINGS INC (DE).
Issue: Problem with the payoff process at the end of the loan

Complaint: On XXXX/XXXX/XXXX I visited XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Delaware XXXX the purpose for visit was to purchase a lawn tractor. I became interested in a XXXX XXXX ' riding lawnmower, retail price for the lawnmower {XXXX} dollars. 
XXXX offered XXXX no credit check XXXX line of credit, information provided by sales associate. Whom explained the program allowed to make minium payments, with initial payment in store following a payment plan to which I would own. 
XXXX XXXX XXXX, explained the terms of this line of credit through a third party lender. 
XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NH XXXX company is also known as XXXX. XXXX XXXX XXXX, obtained my personal information in order to initiate the line of credit with XXXX XXXX XXXX XXXX XXXX. A credit line was approved, it was explained that I would make payments in the amount XXXX after the minimum payment frequency the line of credit would be satisfied and I would own. 

On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, Notified me claiming my minimum rent payment was satisfied and I am presented with XXXX options to purchase in amount XXXX or return the item or continue leasing the item. After informing the company I was never aware that this credit line did n't permit owning after minium payments were satisfied XXXX XXXX  XXXX XXXX XXXX, attempted to offer a reduction of the buy out to XXXX} or a recovery team would be in contact with me to collect the lawnmower from ownership. 

I paid XXXX frequency payments for the retail price of the lawnmower purchased, through XXXX XXXX XXXX XXXX XXXX terms and misrepresentations to no fees in credit line but more so unlnownly buy out I would be required to pay XXXX over retail price for the item.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MS).
Issue: Loan servicing, payments, escrow account

Complaint: USAA has sent me a check due to overpayment of escrow on my mortgage loan. I deposited the USAA check for XXXX and the check bounced/was an insufficient check and my bank charged me a fee of {$22.00} and now USAA has resent me a check for the {$21.00} but not the bounced check fee of {$22.00}. Please contact me concerning this transaction and refund my USAA account with the XXXX for the bounced check fee. I have attached a copy of the reissued check but USAA has not refunded my bounced check fee of {$22.00}. I notified USAA that I will be responding to the CFPB Consumer Financial Protection Bureau on this action immediately. Thank you. 


XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Requested and received preapproval for auto loan from  XXXX  on  XXXX / XXXX / 2017 . Bought car from   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX , (  XXXX  )  XXXX . Dealer had participation agreement with  XXXX  for purchase so no need for additional inquiries to be ran. Did NOT authorize additional inquires. Dealer ran inquiry through their system on  XXXX / XXXX / 17  without authorization. Also ran  XXXX  additional inquiries thru  XXXX  portal without concent on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 .  XXXX  stated they only initiated inquiry on  XXXX / XXXX / 17  which we agree. the other  XXXX  are invalid, did not consent for  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . all  XXXX  should be removed.     I talked to th e Finance Manager  at  XXXX   XXXX  and he said he had to run report due to liability. We did NOT concent to inquiry since we already were preapproved thru  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 10/18/2017 about Mortgage (Conventional home mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Closing on a mortgage

Complaint: In XXXX XXXX I was aggressively contacted by Penny Mac Loan services, the originators of my mortgage, to refinance my mortgage with them to a lower interest rate. I dealt with XXXX XXXX, XXXX # XXXX California. He told me interest rates were at a historic low and I could refinance from a 4.1 % interest to a 3.5 % interest rate thus lowering my monthly mortgage payment. He also told me there would be no closing costs. 

I competed the refinance of my property because XXXX sold me on the lower interest rate. 

In XXXX of XXXX, I received a letter in the mail from PennyMac stating that my escrow account was overdrawn and I owed {$7300.00} to PennyMac to cover the cost of taxes. Penny Mac originally stated that the estimated taxes on my refinance were close to {$2000.00} and but now they are over {$5000.00}. When I reviewed my refinance, Penny Mac grossly underestimated my taxes in order to make it appear that I would have a lower payment. However, the estimate they used was not for a full tax year and they did not disclose to me how they came up with this number. I now owe them the escrow shortage and my payment is increasing {$300.00} per month. This is more than I was  originally paying before the refinance with the higher interest rate. 

I called PennyMac on XXXX/XXXX/XXXX to ask questions and explain that XXXX XXXX had mislead me. He knew the taxes were not accurate but he still used a underinflated number to make my payment appear low so he could receive his commission. 

In addition, I was told there would be no closing costs, something I asked about several times. Upon examination of the refinance, it looks like the closing costs were rolled into the loan amount which I am now paying interest on. 

This is clearly predatory loan practices considering that they did not disclose accurate information. As a consumer, I agreed to the {$2000.00} in property taxes and I trusted that XXXX was doing his due diligence to make sure my payments were accurate and correct. He was misleading on many levels and I should not be responsible for the {$7300.00} which is what the difference in taxes are from last year to this year. As a consumer, I was lead to believe that my taxes were a fair estimate and that there would be no closing costs to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Transunion is using false information and representation to get you to log into your account and pay. They are not proving consumer 's with a way to dispute your personal information without making a payment. This is illegal.

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