milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2016 about Consumer Loan (Vehicle loan) with TFC Group, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I did a loan on my car with TFC. I gave them a check in XXXX to pay my registration and send me the tags. I was to get a credit of {$200.00} off my first payment as well due to me pointing out some hings on the internet about them. This came from the owner XXXX. I did not make any payments since I never got my tags nor coupon book not even the email confirming the credit. Then was getting calls that my car payments were late. I explained to several people over the phone the situation and all they wanted was the money. I finally got my tags in XXXX along with the credit on the XXXX of XXXX. By that time they repossessed my car. This was just fraudulent and I do not believe they intended to do anything but get the car. Once they took the car, I was never informed of where it was to get any personal belongings, never told if sold or not, all communication basically stopped shortly after. I requested several times to go and get my things and also pointed out when am I going to get notice of 10 days prior to the sale and received nothing in return. Also one day the repossession fees are {$400.00} and then the next {$500.00}. How do they go up and I was told that the state only allows {$220.00} as well. In the contract you see my signature on one page and that is it. I do not recall if I signed more pages but I am sending the contract to show. On the check I gave them for the tags, the number came from them. On the registration, there is no late fees showing due yet they say I owed more and that was part of the problem. I was not going to pay more money to them just because they say I owed more when the number came from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX XXXX wiped out my account with a levy. The amount is XXXX. The date was XX/XX/XXXX. The debt is supposedly a very old credit card amount. 

I was never properly served. I called them and they said that they tried to contact me in XX/XX/XXXX. 

Midland 's phone number is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a XXXX 's XXXX card thru synchrony bank. I paid off the account 26 % interest with checks I receive from another account. XXXX XXXX had closed that account 3 months prior ) my thinking was they were reopening the account due to the fact they sent checks. They did not pay so my XXXX 's account was pass due {$35.00} now due XXXX. I had never been late and always paid more than was due. Then the phone calls started from some overseas XXXX people I could barley understand. They call day and night from XXXX to XXXX pm ever XXXX to XXXX minutes. I have paid their {$35.00} and BEGGED them to stop calling but they still call. I am a senior with severe XXXX XXXX. I have called Synchrony bank and told them all will be paid on the due date like my statement says but they said NO I will continue to get daily calls that is their practice Is their anyone out there that can stop this company!!!.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is a delinquent payment posted to my credit report for my NAVIENT account ; however, this was the fault internally of NAVIENT when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my XXXX Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from NAVIENT regarding the status of my forbearance. I then started to look into going back to school to obtain my XXXX Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my NAVIENT account. From when XXXX XXXX was the servicer back in XX/XX/XXXX This was when I was still in rehabilitation and determined to be 23 % XXXX from being hit by a drunk driver, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my XXXX degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late 0/0/1 appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of Navient and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and NAVIENT Refuses to remove it. They hang up on me every time I try to talk to them about this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Customer service / Customer relations

Complaint: citi card offer me an upgrade card from gold to platinum and as promotional I can get a XXXX XXXX to the XXXX and XXXX bonus miles to my advantage XXXX XXXX card .. The requared was that I need to speend XXXX usd in the netxt 3 months .. I did spend XXXX in one month and paid in full .. I have been calling for the last 3 days about my miles and no answer about it ..they keep giving me no answers and keep me over the phone fo rmore that 10 minutes .. I spoek wiht XXXX on firday XXXX/XXXX/2016 XXXX request to speak to a manger and her answer was .. sorry there is no manager at this time ... can you imagine the band costumer seervice .. the offer me something and they dont want to give me that .. I need to know where are my XXXX miles

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Yes it 's been awhile I been using my credit card and I always pay on time and I am always careful to not mess up my credit so recently I checked my credit score and I see its XXXX and XXXX and just like a few days ago I see it had dicreased for no valid reason now it 's XXXX and XXXX I felt really shocked and ca n't even go to sleep the whole day if u guys can solve everything out cuz I really take care of my credit and it 's been 2 years I been using it if u guys can help me out I will really appreciate it? 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 08/13/2016 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Application processing delay

Complaint: I am having the exact same issues with this financial institution as is described in the PayPal extras mastercard review link provided below. I need help recovering my account payments in the amount of approximately {$2600.00}. They refuse to credit it to my account so that I may have my credit for spending reflect my payments made and collected by them. This is a real scam that needs overseen by some agency with the authority to shut them down. 

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 01-05-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: This is a second complaint in reference to the same issue. The original complaint number is XXXX. My complaint is with regard to my FHA XXXX Mortgage which is serviced by Nationstar Mortgage. In XX/XX/XXXX I received an unsolicited call from Nationstar to offer me refinancing options. In the course of my conversation with their representative, they determined I may no longer need to be paying mortgage insurance, and a request was submitted on my behalf to have it terminated. The request was successful and I am no longer paying the insurance. However, it is clear that I was needlessly paying the insurance for a period of at least XXXX months prior to its termination without my knowledge. The response to my initial complaint only correctly restated the date of when my insurance was terminated, but failed to address my concern about the previous months of unnecessary insurance payments. 

Since receiving their response I have had more conversations directly with Nationstar and also more accurately pin-pointed that time at which I was eligible to terminate mortgage insurance. My understanding ( which was not disputed by Nationstar ) is that given that my loan has been open and in good standing for at least XXXX years, I would be eligible to terminate insurance when I reached a XXXX % loan to value ratio. 

I have obtained statements now which show I reached that value in XX/XX/XXXX. My insurance was finally terminated in XX/XX/XXXX, but only after I serendipitously recieved an unsolicited phone call which led to the discovery that I was eligible. After more conversations with Nationstar, they acknowledged that all of this is true, but that the onus is on the lendee to request termination prior to the date it was originally anticipated. As I make significant extra payments to my principal, I am well ahead of the payment schedule which was projected at the time my loan was originated. 

If it is true that the onus is on me to know when I no longer need to be paying mortgage insurance, then this is an issue which desperately needs to be addressed in the law. It is completely unreasonable to expect consumers to remember years if not decades after a loan was originated, the exact terms and conditions of mortgage insurance, and be montitoring their loan to value ratio on a monthly basis. If I had not received that unsolicited phone call, I would undoubtedly be paying mortgage insurance unneccarily for years to come. 

My home value at the time of purchase was {$160000.00}. So by my math I should have been eligible to terminate mortgage insurance once my balance was below {$130000.00}. The balance on my state from XX/XX/XXXX was {$130000.00}, and in XX/XX/XXXX it was {$120000.00}. I will attach those statements as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a Barclay 's  XXXX   XXXX  credit card. I made a payment  XXXX   XXXX  for {$1000.00} from my   XXXX   XXXX    checking account by a process where payment is done electronically using my routing number and account number. On  XXXX   XXXX , I make another payment the same way, for {$1600.00} using my set up routing number and checking account number. Between th e 2 pay ments, my   XXXX   XXXX   checking account is lowered by {$2600.00} and on  XXXX   XXXX ,  XXXX  shows my balance being deducted by that amount.   Barclay bank shows me on line they have received my payments and they have them processed, BUT they do not show them as increasing my available balance by {$2600.00}. They tell me they have the right to hold the money for up to 10 days before putting it back into my credit availability. Never are bills paid by check. They are all ways paid by electronic funds between  XXXX  banks, or as I have heard, the US treasury reserve bank. By holding this money, even though they say they have received the money, they say they have the right to hold it against liability issues, for up to 10 days.  XXXX  does not have my money and Barclay bank does not make these funds available to me. They use semantics by telling me they have my money but reserve the right to hold it up to 10 days. By doing this to me and millions of other people, they are using my money and others ' for profit and using it for free. I want to complain to the  US finan cial department regulators this is not fair and Barclay 's should be held accountable.

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 08-02-2017 about Checking or savings account (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: Hi, I closed my checking and saving accounts at Union bank, so I visited its branch office on XX/XX/XXXX and I closed and returned all cash from amount, accept pending transactions. I thought it was already closed properly after visiting branch office. Then I moved to XXXX from XXXX. It was the reason why I closed Union bank 's accounts ( no branch in FL ). Today, I just wanted to change my mailling address to get my last bank statement from Union bank, so I logged in website. I found my checking account is not closed and there are many transactions after I closed checking account even it was paid several times of overdraft fee! absolutely it has negative balance ... because I got all money from the account when I closed it. I was so shocked ... and I called to contact center to ask what happend on my account. They said it was opened again cause there are some of pending transaction. Ok, I can get it. but I ca n't pay for overdraft fee!!!! I requested waive all overdraft fee til my check will be arrived to pay off but they said they ca n't! How could I understand it? and actually I do n't understand all over this situation.. Who can imagine closed bank account opened again? and even I did n't get any notice or explain about this. I want to close my bank account without paying any overdraft fee. It 's not my fault. If I knew it can be opened and I should take care about balance for pending transaction, I handled and managed its balance!!!! but I closed! I closed all accounts! All done! It is so annoyed ...

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 02-12-2017 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Rewards

Complaint: I SAW PROMOTION FOR CREDIT CARD ON XXXX FOR WELLS FARGO CASH WISE CREDIT CARD ON XX/XX/2017. THIS PROMOTION WAS SHOWING THAT CUSTOMER WOULD SPENT {$1000.00} IN FIRST 3 MONTHS OF OPENING ACCOUNT GET {$150.00} & ALSO 1.5 % BONUS ON TOTAL PURCHASE. I SPENT {$1000.00} IN FIRST MONTH STATEMENT. I RECEIVED MY FIRST STATEMENT RECENTLY, BUT I DID NOT FIND ANY BONUS OF BOTH AS PER PROMISE BY WELLS FARGO. I FEELS THAT IT IS A SCAM BY THIS BANK. ALTHOUGH I FULFILL ALL REQUIRED CONDITIONS TO GET BOTH BONUS. THIS BANK WAS KNOW FOR LOT OF FRAUD IN MEDIA IN PAST. CEO OF THIS BANK APOLOGIES IN PAST IN SENATE AND MEDIA FOR THOSE FRAUDS.I DO NOT TRUST THIS BANK FOR MY BONUS.CUSTOMER SERVICE OF THIS BANK IS VERY BAD & RUDE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Consumer Loan (Installment loan) with FAIR COLLECTIONS & OUTSOURCING, INC. (MA).
Issue: Managing the loan or lease

Complaint: Fair collections and outsourcing is wrongfully reporting on my credit bureaus. i 've sent requests registered mail to the bureau three times to investigate and they keep concluded that the account is valid, but in over 3 months of sending letters requesting proof that the debt belongs to me and it is a debt that i signed for with this company, to date no proof has been furnished. i sent an email to the company on XXXX XXXX, 2016 demanding proof straight from the source. i stated if you can not supply me with proof of this debt please remove the debt from my credit bureaus. i received a response from XXXX XXXX stating that she would investigate and get back in touch with me. i have received absolutely nothing i even sent a follow up email and i 've received no response. this is not my debt and they have it unfairly listed as a collection on my credit and i want it removed. i need to find a new residence and this is severely hindering the process and i could soon be homeless. where are the rules and regulations that govern these lying thieving companies from imposing undue and unfair negative information on well to do consumers. where is the justice. what is FCRA if it is useless and the laws and regulation by which they govern these entities are a big joke?

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 05/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Mortgage sent a statement to me that said my escrow was in the negative by XXXX some odd dollars and I could pay that amount or have a XXXX plus charge monthly on my payment. I payed the escrow instead of having an added charge to my mortgage. I then received my next bill and they had added the charge and incorrectly posted the XXXX to the principal. I was told I had to email the info and it would be taken care of it was not. My next statement had the XXXX plus dollars added, I called and explained the person said it had not been resolved at the time but it should be by the time my next payment was due and I asked if they were going to reimburse the overage and she said no that it would not be reimbursed because it was a correct charge for the time even though I had paid the escrow months before. I asked to speak to a manager and she said they were backed up. This is a scam to collect more money. I understand that it is not a large amount of money but if you nickle and dime enough people you stand to make a killing. This can not be legal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (I do not know) with Wilson, Riley & Associates (IA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Company called myself and wife stating that they were coming with a sheriff if I did not rectify the issue. Misrepresenting themselves as from the County that I live in.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I pulled my credit report XX/XX/XXXX and saw that there were late payments that were not mine. Since then I have written XXXX letters to all three bureaus who are reporting the incorrect information. Experion has not responded to any of my letters. XXXX and XXXX sent me XXXX letters promising the information was updated or new information could be found on my report. However, there was no update on my credit report from either bureau. XXXX last letter was in XX/XX/XXXX and they have n't responded since then. 
XXXX 's last letter was XX/XX/XXXX and they have n't responded since then. Also- whats really upsetting is that all three bureaus had deleted the incorrect information on XXXX of my accounts listed as : XXXX XXXX account # XXXX and now the late payments are showing up again! XXXX specifically deleted this information in XX/XX/XXXX and in XX/XX/XXXX it showed up on my account once again. This is really ruining my credit. I 'm always on time. Please tell the bureaus to delete the incorrect information once and for all! 
The other accounts that are showing incorrect late payments are as follows- XXXX XXXX XXXX account # XXXX, is only showing up in Experian. XXXX and XXXX already did research on this account and deleted the errors. Please ask experian to do so as well. 
XXXX XXXX account # XXXX, all XXXX bureaus are showing incorrect late payment status XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They continue to call me for a debt collection for my son which is n't even a debt. They said it was for XXXX but he has paid everything he owes to XXXX and has a toll tag that auto debits from his bank account! And actually XXXX said they did n't turn his account over to any debt collector! So I asked them to discontinue calling my house and now they still call but no one talks. Just silence!! It infuriates me because we run to answer the phone for this!!

Company response to consumer: Closed with explanation