milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NV).
Issue: Managing the loan or lease

Complaint: This is a complaint regarding Springleaf. My husband and I borrowed money from American General apx 16+ years ago. My husband passed away in 2012. The highest loan balance was apx {$20000.00}. I still owe {$14000.00} on this loan despite making monthly payment for all of these years. Current interest rate is 22.9 % and my monthly payment is apx {$300.00} which barely pays the interest. I asked for a printout of my loan payments, and could not understand what I received. I am sure I have paid over {$50000.00} on a {$20000.00} to this date. Springleaf has made more than a fair " return '' on this loan. They, American General, and I believe at one time it was XXXX are loan sharks. I will never get this paid back. The loan is still in both my husband and my name. I am XXXX XXXX XXXX. This money borrowed to finance a children 's rights lawsuit. No, there was no life insurance from my husband to pay off this loan. The XXXX home took all of it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.

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 01-06-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I need help working with Select Portfolio Servicing on my home mortgage. They advised me to not make payments to qualify for HAMP modification. Now, they have told me that I do not qualify for HAMP modification, and the home is in foreclosure. I only owe approx.. {$18000.00} on the home. Select Portfolio Servicing ordered an appraisal that values the home at {$67000.00}, 2 months ago. They have started foreclosure only since the appraisal was received, and they knew the equity was in the home. I have spoken with my local bank and they said the " ability to repay '' for my husband and me is within policy, according to the new XXXX XXXX requirements. We have fixed monthly income from Social Security and my husband 's pension. The only debts we have is our car loan and we recently paid off a small debt to " Whynotlease? '' We really feel they have advised us not to make payments until the review was completed. After the review was completed they said we did not qualify for a modification, and they began foreclosure. They realized there was equity in the home, and proceeded to foreclose for benefit of Select Portfolio Servicing. 
Please Help!! 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Credit decision / Underwriting

Complaint: Hello, I established a refi on my mortgage with Caliber Home Loan in XXXX 2016, with 15 years refi rate lock of 2.75 % which expires on XXXX/XXXX/2016. I received my first loan disclosure on XXXX/XXXX/2016, which indicates a lender credit of {$2100.00} to close this refi before XXXX/XXXX/2016. 
With anticipated refi closing date on XXXX/XXXX/2016, I have supplied all the documents in XXXX and follow-up documents in XXXX 2016. However, Caliber Home Loan 's underwriting process just keep delaying the loan closing date. Aftermath, they did n't schedule a notary to sign the closing documents until XXXX/XXXX/2016. Then they removed the lender credit of {$2100.00} at last minute! Before the final closing date, I still see the {$2100.00} lender credit on loan disclosure dated XXXX XXXX, 2016. Caliber Home Loan have removed this {$2100.00} lender credit on the date I signed my closing documents dated XXXX XXXX, 2016. This is outrageous that Caliber Home Loan removed this lender credit on the date I scheduled to sign the closing documents. Unfortunately, I have to sign amid they keep dragging and delaying the promised closing date. 
My Caliber loan consultant is XXXX XXXX - XXXX, he is awared of this lender credit and delaying underwriting process. 

Please help me. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I spoke to a representative from Equifax regarding negative information from XXXX XXXX retroactively placed on my report for years XXXX and XXXX. This information was placed on my report in XXXX of XXXX almost 4 years later and after 4 years of Equifax reporting no negative information for XXXX XXXX. I was told by an Equifax representative over the phone that on XXXX XXXX, XXXX another update was being done on my file and in a few week after this update the negative reporting for XXXX and XXXX would not show on my report. 
I have requested Equifax to remove this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with EMBRACE HOME LOANS (KY).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan with Embrace Home Loans. I paid for an appraisal during the loan process. After several months without hearing from anyone I received a turn down notice. I attempted to call Embrace but the person I had been working with never returned any of my calls. I applied with another company and was approved but they need to have an appraisal done as well. I was advised I could transfer the previous loan but Embrace would have to participate in making that transfer. Unfortunately after numerous calls they will not even return my calls so I may get access to an appraisal I paid for. Transferring the appraisal simply required an email on their behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/14/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (FL).
Issue: Unauthorized transactions or other transaction problem

Complaint: I completed a transaction with a buyer on XXXX on XXXX/XXXX/XXXX and payment was made to my PayPal account. The buyer then claimed my item did not arrive and opened a dispute. I tried to inform PayPal that this was simply not true and I spoke with the employees at the place my package was sent to but I heard nothing back and the money was removed from my account on XXXX/XXXX/XXXX. The person who bought my item was using a third party shipping service. This means I ship to that business and they ship to him in XXXX. It is unfortunate that my attempts to prove the buyer was lying went unheard and essentially the money was removed unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have submitted a loan discharge application due to school closure ( XXXX college, XXXX ) on XXXX different occasions over the past 6 months and can not receive an response. XXXX : application sent by XXXX mail XXXX : application sent via XXXX and uploaded onto Navient website. XXXX : application sent via XXXX. These loans should be forgiven due to the fact that the school closed while in attenadance. I have made many efforts to begin the process by following instructions given to be my navient, yet I still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: In XXXX this account was sold to Santander Consumer USA , Inc. from XXXX XXXX ( original lender was XXXX from XXXX/XXXX/XXXX ). However, Santander is reporting that I took out a loan on XXXX/XXXX/XXXX which is incorrect ( see attached ). 

This account shows no payment history prior to XXXX because Santander did not have the account. Even though I made payments with both XXXX XXXX Bank and XXXX XXXX and did not begin to fall behind until the account was sold to Santander in XXXX, there is no payment history reflected on my Equifax. I have proof of payments but it will take a few days to get copies of checks from my bank. 

In XXXX of XXXX, this account was reported as current yet I voluntarily turned in the vehicle in XXXX of XXXX. 

Account shows a 7 year loan which is incorrect. According to the original contract, the loan was financed for 72 months ( see attached ). I have never taken out a car loan for 7 years and am unaware of lenders who finance vehicles past 5 years/72 months. Due to predatory tactics such as padding the balance, I would still be paying on the vehicle if I had not turned it in to Santander in XXXX. That equates to a 9 year auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX, I received an update via report # XXXX through my email. I could n't access the dispute results so I phoned Experian at XXXX ( call lasted 27m and 53s ). An Experian rep stated that " XXXX stated that the account will remain on my credit report. '' I asked the rep if XXXX sent proof to validating the charges and its correct status. The rep stated that XXXX did not. I informed the rep that Experian was allowing inaccurate information to remain on my credit report after I 've disputed this twice already. I already filed a claim with the BBB and the CFPB to report Experian for violating the FCRA. The account shouldve been removed long during my first dispute because the information reported was false information. This was initially disputed on XX/XX/XXXX. Experian is also guilty of failing to properly investigate the inaccuracies and re-aging the date in which the " report '' was made by XXXX. I filed a complaint # XXXX against Experian on XX/XX/XXXXfor failing to investigate the dispute filed on XX/XX/XXXX against XXXX for inaccurately reporting the balance owed. On XX/XX/XXXX, I received an update to my credit report with no mention of an investigation against XXXX 's inaccuracy or it 's current status. On XX/XX/XXXX, I disputed the inaccurate balance reporting on my credit report again, from XXXX, through Experian.

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 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX. I had intended to purchase a home warranty through XXXX XXXX with the purchase of my new home. I placed multiple calls to them and had a few conversations with various persons who promptly transferred me on to another person who did not answer. I left many voicemails during the period of XXXX XXXX thru XXXX XXXX. Through continued attempts by pushing option " XXXX '', I was promised return calls and the XXXX I received said my warranty would not cover the issue for one reason or another. At one point they even said someone came out for a second and said there was no drain clean out so it would again not be covered. I was workingfrom home and could not have missed I could not have missed them had they come. Furthermore the drain cleanout is at the front of the home, visible from the road. 
I had what appeared to be a pool leak. After many many calls they agreed to send out a pool person who was to contact me before coming. I was present at the home but he did not call. He did not look at my pool or at anything besides the pump which was, and still is operating just fine. I have a witness to this encounter. 
The company left me a message that this also would not be a covered repair as he reported that I had a leak in the solar panel. That is on the roof. He never looked at it. And that my pump had overheated and therefore it would also not be covered. My pump still is working fine. I never reported a pump issue. 
As I said I made many attempts to discuss the issues but they are obviously not staffed well enough to answer the calls and the person that no one can reach only works til XXXX Pacific time ... 
I opted not to purchase the warranty due to very poor, dishonest service and contractors. I never bought the warranty. They have attempted to bill me for XXXX and sent XXXX to collections, which is now XXXX. I am now being contacted by Transworld Systems Inc, repeatedly and they have yet to demonstrate that I purchased the warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold from XXXX to XXXX over a year ago now, my payment for XXXX 2015 was sent to XXXX, but was never forwarded or returned to me. I have called both PrimeLending and XXXX for resolution and they continually give me the run around, I have multiple tickets in with XXXX regarding my payment and have been told the issue is closed and resolved every time I call to check. They have yet to actually resolve the issue and I have called multiple times and sent them documents multiple times without resolution to the issue. On the flip side, PrimeLending is charging me late fees monthly for a missing payment that I technically never missed, I originally called them when the issue first came up and they told me they would take care of it, I called them multiple times over the ensuing months and they kept saying they were taking care of it only to find out later from an employee at PrimeLending that the truth is they would never do anything about it. Essentially XXXX and/or PrimeLending is holding my payment and is not applying it to my mortgage and neither is calling me regarding my complaints filed with them, every time I call either my complaints are closed without contacting me or giving me any resolution or without fixing my mortgage.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my personal financial information to be stolen because they were negligent in securing this sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: I MADE A WIRE TRANSFER TO COINBASE OUT OF XXXX XXXX XXXX ON XX/XX/XXXX AT XXXX. MY WIRE HAS NOT BEEN POSTED TO MY ACCOUNT. I HAVE CALLED COINBASE EVERY DAY SINCE XX/XX/XXXX TO NO ASSISTANCE FROM CUSTOMER SERVICE. THEY ASK ME TO OPEN UP TICKETS TO WHOM I HAVE RECEIVED NO RESPONSE FROM. I HAVE ALREADY OPENED 4 TICKETS ( I CAN PROVIDE THOSE TICKET NUMBERS IF NEEDED ) AND NO RESPONSE FROM ANY OF THE EMAILS. I HAVE EMAILED PRIORITYSUPPORT, COINBASE SUPPORT, WIRE SUPPORT NO RESPONSE. MY MONEY WAS TAKEN AND NEVER POSTED TO MY ACCOUNT WIRE AMOUNT IS XXXX . XXXX XXXX HAS CONFIRMED THE FUNDS WERE SENT TO COINBASE THE SAME DAY THE WIRE WAS INITIATED XX/XX/XXXX. COINBASE HAS TAKEN MY MONEY AND REFUSES TO CREDIT MY ACCOUNT AND REFUSE TO RESPOND TO ANY OF MY EMAILS AND CALLS AND TICKETS OPENED. I HAVE LOST THOUSANDS IN THIS TIME BY NOT BEING ABLE TO PURCHASE OR DO ANYTHING WITHOUT MY MONEY, THIS IS WIRE FRAUD. PLEASE PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: To whom if may concern : This complaint is toward Beneficial, member of HSBC consumer and Mortgage Lending. 
I refinanced my home on XXXX/XXXX/16 from Beneficial. The refinance company paid off the mortgage of Beneficial in the amount of {$86000.00}. The pay off on the house was {$85000.00}. Beneficial sent me a check for {$680.00} Short of {$410.00} of what I should have gotten back. 
XXXX/XXXX/16 statement is as follows Explanation of amount due Principal {$83000.00} Principal {$190.00} Deferred interest balance {$1500.00} interest {$360.00} Deferred insurance balance XXXX Life insurance {$46.00} That comes to {$85000.00} Monthly payment of {$600.00} XXXX/XXXX/16 statement is as follows Principal {$83000.00} Interest {$1900.00} where did this come from Escrow {$680.00} Insurance {$44.00} why did they take out and pay insurance on a {$0.00}. Balance. 
Fees and charges {$26.00} Total {$86000.00} I spoke to XXXX XXXX on XXXX/XXXX/16. Beneficial has not responded. 
They owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Problems when you are unable to pay

Complaint: I had applied for and received an Autoloan through Chrysler Capital. At the time, as it is now, I had been receiving monthly income of approximately {$730.00} a month. They in turn issued me a loan at 21 % over 6 years at {$400.00} dollars. I am also required to keep full coverage on the vehicle. Perhaps I was too optimistic on my ability to repay the loan, but I have rapidly found out that this was a tremendous financial burden on my situation. Currently, I have been unable to afford my other debt obligations and these loans have become delinquent. I intend to do my best to maintain the car payment, however I am concerned that this loan may have been issued with the expectation that I would not be able to maintain what for me, is an aggressive repayment. I have attempted to contact the lender to discuss my situation. They have stated that they are currently unable to work with me but more importantly that they have no intention of working with me to achieve a long term resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose prepaid card) with JPMORGAN CHASE & CO. (NM).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I am a very active XXXX XXXX XXXX XXXX widow who competes in national and international swim competitions with state and national records, paints, dances, does powerlifting, plays the piano and attends live performances of classical and contemporary music or opera about twice a week. 

In the interest of meeting a single XXXX with similar interests I met with XXXX of XXXX XXXX XXXX XXXX ( hereafter XXXX ) on XXXX XXXX, XXXX. After being assured that XXXX could do that I paid {$3300.00} to XXXX. That sum was charged to my XXXX XXXX card and appeared on that account on XXXX XXXX, XXXX. 

Sometime after that XXXX called and offered XXXX as a match. He was described as retired, educated and a good match for me as he likes to exercise and enjoys music. 

On XXXX XXXX, XXXX I met XXXX for coffee. I was shocked to learned that he was still married, is XXXX, likes solitude, his only exercise is walking and for music he had attended XXXX live jazz performances during the past year. XXXX spends most of his time babysitting a grandchild. 

None of this was disclosed to me before I agreed to meet XXXX. I do not date married men. XXXX holds itself out as a XXXX matchmaking service. I have in the past not dated anyone XXXX. This should have been disclosed to me in advance. XXXX interests and level of activity are no where close to anything that interests me. 

Since XXXX failed to perform I contacted it to cancel our agreement and request a full refund. XXXX refused. 

On XXXX XXXX, XXXX I sent a letter to Chase XXXX disputing the {$3300.00} charge on the basis that XXXX had not performed its obligations under the agreement. 

On XXXX XXXX, XXXX XXXX XXXX sent me a letter refusing to reverse the charge saying that XXXX had not promised a refund. I never claimed that XXXX had promised a refund. 

On XXXX XXXX, XXXX I sent another letter to XXXX XXXX pointing out, among other things, that I had never claimed that XXXX had promised a refund. I asked XXXX XXXX to reconsider its original decision and reverse the charge. 

On XXXX XXXX, XXXX XXXX XXXX sent a letter to me saying saying the charge was valid because we are unable to support that a billing error has occurred on your account. I never claimed that a billing error had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Shopping for a loan or lease

Complaint: XXXX XXXX, Financial Sales, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA ; Telephone # ( XXXX ) XXXX, allegedly submitted vehicle loan applications without my authorization to CapitalOne Auto Finance ( reference number XXXX ) and XXXX XXXX XXXX XXXX ( # XXXX ). I had already purchased a car with my own financing. XXXX XXXX mislead me by stating " it is the company policy to run a credit check on every customer purchasing a vehicle, even though they do not need financing assistance from us '' to allow them to run my credit. XXXX XXXX, 2016, I became aware of the problem because the denial letters from the financing agencies arrived. I met with the Sales Manager, XXXX XXXX regarding this matter, requesting that the credit bureau agencies are notified and inquires removed. I am seeking your assistance with this fraudulent activity. I want the damage to my credit score from inquiries to be immediately removed. I did not authorize these transactions.

Company response to consumer: Closed with explanation