milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to complain about Conn 's Furniture and their deceptive credit reporting practices. On XXXX XXXX 2017 I purchased a bed from Conn 's based off the premise that I was financing approximately {$2200.00} for said bed. They issued a credit limit of {$6000.00} so I thought I was being financially responsible for not maxing this limit. <P/>Cut to today XX/XX/2017 and XXXX XXXX informs me that my FICO drops 100 points! Reason being, Conn 's is reporting that I financed {$4800.00}. This is false information. I was told by the customer service rep when I called in that this is the # 1 complaint they hear and all I can do is write in to complain ( which I did ) and hopefully someone in " upper management '' will make a change. This is wrong! <P/>My understanding of the contract was as follows : 1. My amount financed is approximately {$2200.00} 2.  I received 0 % interest for 12 months, meaning if I pay the {$2200.00} balance before 12 months I pay off the balance owing 3. If I stick to the proposed payment of {$130.00} for the term of 36 months, THEN I would have paid {$4800.00}. <P/>NO OTHER CREDITORS USING PREPAID FINANCE CHARGES IN THEIR REPORTING. Otherwise, people who finance auto loans would show the total amount financed based on the installment schedule as the starting balance. ABSURD! <P/>The reporting methods of Conn 's is fraudulent because it is untrue. It reports an incorrect picture of me as a consumer because this misreporting of my credit usage gives creditors the impression that I am irresponsibly using credit which is the biggest impact on one 's credit report. I 've paid my bills on time and closely monitor my report for such discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Consumer Loan (Installment loan) with SUNTRUST BANKS, INC. (NC).
Issue: Managing the loan or lease

Complaint: We took out a loan with XXXX in XXXX for a term of 180 monthly payments of {$590.00}. SunTrust acquired the loan from XXXX in XXXX and has applied the payments in such a manner that even after making the number of payments we agreed to, they say we still owe approximately $ 8K more. I do n't understand why we would owe more if we paid according to the payment terms.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Transunion numerous times from XXXX 2017 until the present. I have filed numerous disputes via online and over the phone with a representative that XXXX inquiries recorded on XXXX XXXX, 2017, one by XXXX XXXX and the other by XXXX were not authorized by me. Transunion has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding Transunion delete the inquires immediately.

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 11-04-2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (GA).
Issue: Problems when you are unable to pay

Complaint: I called today XXXX/XXXX/2015 to American Honda Financial Services to discuss the account and resolve a situation that we are encountering with the monthly payments due to my medical situation I got behind. My daughters have been helping me with the medical issues and now helping me financially since I am XXXX. Today my oldest daughter called American Honda Financial and they wanted to speak to me so I can authorize my child to speak to them. My daughter called we was on a XXXX way called and I gave more than XXXX times autorization to American Honda Financial to speak to my daughter on my behalf. The lady that was on the other phone refused to accept my authorization to the point she was attacking me and pushing me to speak to her about my account She wanted to get my daughter of the phone and called me direct which I do n't know the number I have my daughters and I dont know it by memory. My daughter called the main number once again to report the situation to the coorporate office and they refused to transfer her with me on the line. I felt threatened and discriminated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Trouble during payment process

Complaint: I submitted a Request for Information to Nationstar on XX/XX/XXXX. Nationstar acknowledged my Request on XX/XX/XXXX advising that they would respond to the Request by XX/XX/XXXX. As of today 's date, Nationstar has failed to respond to the Request for Information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Auto) with Patenaude & Felix APC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Unlawfully seized {$820.00} from my bank account, the debt was a time-barred debt of 11 years

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 08/14/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XXXX XXXX I received my XXXX XXXX statement and was irritated to see a balance of {$29.00} because I pay the card in full every month and knew I should not have a balance. I reviewed my online account and learned that amount was for " late fees '' and " interest. '' I called and was told my payment was processed after the cutoff time for payments so it posted the next day and therefore I was assessed the fees and interest. On the day I received the statement, XXXX XXXX, I made an online payment in the amount of {$29.00} to pay the late fees and interest in full. I contacted customer service and asked that my account be closed immediately. I received an email confirmation that " per your request, I have closed your account. Your current balance is {$0.00} ... '' Today I received a statement saying I owe a " minimum charge fee '' and that a " monthly billing statement will be sent until the balance is paid in full. '' I do not find in my disclosures any reference to a minimum charge fee. How can such a fee be charged on a closed account? Customer service states this is a normal fee assessed for producing a statement. How can additional charges be assessed after a company confirms in writing that your account is paid in full and closed? I have attached a copy of the statement in question as well as the email from the credit card company confirming the account was previously closed with a XXXX balance prior to the statement being produced. It is my desire for this account to be closed, for the subsequent fees after my closure request/confirmation be removed and to receive no further information from this company ever. Can you assist with that? Thank you so much for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with PRIMARY RESIDENTIAL MORTGAGE (TX).
Issue: Application, originator, mortgage broker

Complaint: my husband and I were looking to purchase a house, we got preapproved through a mortgage company, did everything they asked us to do as far as saving money and paying off credit cards. on the day of closing they tell us we were denied. we paid for survey, appraisal, things that needed to be fix etc and to find out we got denied was very disturbing. they did not keep in constant contact with us or even had my emails and calls go unanswered for several days.i paid for everything in advance because they were confident we were going to get the house.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have had my student loan serviced by XXXX and then to Navient and I have not had the balance go down/decrease in over 9 years of repaying. I believe the accounting of the loan is being mishandled specifically by Navient and/or XXXX. I have spoken to representatives of Navient numerous times and they have not explained to me how this is possible. A representative told me he would provide the accounting calculations to me in writing and I have not received those documents. I have been paying consistently close to $ XXXX/mo for 8-9 years which should calculate to be about {$80000.00} however my balance still remains the same. In fact every month after making the payment of {$900.00} my balance goes up every month. I am in a " payment plan '' that is impossible to pay off therefore the agreement between Navient and I is unconscionable and fraudulent. I believe the CFPB should investigate my case fully to uncover the underhanded practices of Navient as I have been paying my student loans diligently for almost ten years and not getting any progress.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Settlement process and costs

Complaint: This is a follow up complaint to a response on Case # XXXX where Select Portfolio Services virtually admitted to violating RESPA regulations : First, they freely admit that XXXX XXXX ( the mortgage holder before loan was transferred to them ) paid off XXXX. In addition to the fact that this was done without my knowledge or permission, the fact remains that this was in fact a cashout/debt consolidation loan because it paid off MY account with XXXX. 
In the same response they say they are going to defy RESPA in refusing to rescind my loan. 
All of the other garbage they are throwing in, such as the state of my what they call delinquency are irrelevant to the issue ; why do they think I 'm not paying 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 06/20/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: As most people right now, my husband and I are having financial difficulties and are past due on our mortgage. We have had nothing but problems with our mortgage servicer, XXXX XXXX. They have returned payments, just so that they can show us more delinquent, instead of applying it towards the amount owed. Now, they keep our payments but put them in a suspense status, again, just to show us more delinquent then we really are. We have called them and were assured that the payment would be applied to the account. The payment was made on XXXX/XXXX/15 towards the XXXX bill. It is now XXXX, and the payment STILL has not been applied towards our account. We STILL show delinquent for XXXX. Our mortgage company is purposefully performing these actions, complete UDAPP violations, just to show us more delinquent, credit report harsher than we deserve ( i.e. XXXX instead of XXXX or XXXX ), and to force us into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Home equity loan or line of credit) with KEYCORP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Attached is a letter I wrote to Key Bank CEO XXXX XXXX. I ask the regulators reviewing this complaint to review the represented facts for statutory and regulatory violations of Key Bank 's representatives. Given the communication requirement of the Wall Street Reform and Consumer Protection Act, I expect a response from XXXX XXXX to what appears to me to be multiple violations of the Wall Street Reform and Consumer Protection Act and the prohibition against Unfair or Deceptive Acts or Practices, 15 U.S.C. 45 ( a ) and New York State XXXX XXXX of a number of Key Bank 's employees. I am hoping XXXX XXXX will step up and rectify this situation, so that we can mediate a workout agreement with an empowered Key Bank representative. This complaint is identical to XXXX ; I am including as the supporting document, " Later version of Word Letter to CEO XXXX XXXX, '' a later version of Word document of the letter. Because CFPB 's system does not allow the uploading of additional documents after the initial submission, I am making a new complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Apparently this company told a friend of mine that we had written a bad check in 2013 and they are an attorney on behalf of this client. This company shared false information and personal information to people that I know. This company also called my phone and stated they were contacting me regarding fraud charges and wanted to get a defense statement for prosecution. They represented themselves as attorneys. When I asked them for their location to come to their office they stated they were located in XXXX. I told them my attorney and I could come to their office to discuss what " charges '' were being filed against me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This is the XXXX time in XXXX years that Suntrust Mortgage has grossly mismanaged my escrow account. They continue to say I have an 'overage ' in my escrow and mail me a refund check but then immediately raise my mortgage payment saying there is an 'underage ' for the year. 

So I 've made a lump sum payment to Suntrust to cover the 'underage ' and now I 'm being told they ca n't accept that payment because the escrow needs to come from current payments and not a lump sum. So once again I have an 'overage ' in my escrow account for the lump sum payment I made at the advise of a 'mortgage specialist '. 

This continues to happen once a year with this company and then when I call and speak with 'mortgage specialist ' they provide information to correct the issue which always turns out to be incorrect once I escalate to speak with a manager.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (WI).
Issue: Account opening, closing, or management

Complaint: Opened a {$12000.00} Care Credit account with GE Capital Retail Bank on XX/XX/2015 for XXXX at the XXXX XXXX XXXX XXXX, which I though was interest free. I had auto-payment withdrawals from my checking account for 2-years. Last couple months I noticed my bank statements went way up, so I contacted Synchrony Bank XX/XX/2015, finally was transferred to a Manager, XXXX, ID # XXXX, and was told that my 24-month promotional period expired XX/XX/2015, and I was charged accured interest of 26.99 % of {$6200.00} on top of my principal balance of {$5400.00}, and my account is now {$11000.00} at interest rate of 26.99 %. After a long heated discussion, I offered to pay the principal immediately, but they offered no help, no options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2017 about Credit card () with AMERICAN EXPRESS COMPANY (OR).
Issue: Rewards

Complaint: I signed up for a credit card offer I received in an email on XX/XX/2017. The offer stated that the American Express XXXX came with XXXX bonus miles as long as I signed up before XX/XX/2017 and spent {$1000.00} in the first XXXX months. I did exactly as I was supposed to but was only credited XXXX. I called in XX/XX/XXXX and was told they were opening an investigation. When I called back they told me the investigation was closed and I was not receiving the extra XXXX miles due to an unspecified " error '' that was not the fault of American Express. I do not believe this is acceptable in any way. They admit the email is real but still wo n't give me the miles I 'm due.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I consolidated my student loans with XXXX. I have request all 3 credt agency and Nelnet, XXXX to be removed from my credit report. Now they are showing red marks. I am denied credit because of the loans that hve been satisfied. They all are on my report showing a huge negative impact

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On  XX/XX/XXXX  I called   XXXX   to have them remove a debt that has been reported on my account since J XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor   XXXX   could remove this item. Knowing the laws and my rights, I was very unsettled to hear that  XXXX  does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General 's Office of Colorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for   XXXX   to stop reporting this debt ASAP according to Federal law.
<P/>
Account that is past this 7 year record retention is as follows :    XXXX   XXXX   XXXX   XXXX    Acct # :  XXXX **** Original start date or reporting :  XX/XX/XXXX  Currently still on my credit report as of XX/XX/XXXX  This same account is also being reported on   XXXX   XXXX   and Equifax with a start date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX THD/CBNA Acct # XXXX XXXX CARD Acct # XXXX XXXX BANK XXXX # XXXX XXXX BANK NA Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

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 03/19/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom it may concern, Bank of America has tied me to a fraud account after I paid an account that I owed off. Fraud checks from XXXX XXXX XXXX is what I am accused of into a bank of America account XX/XX/XXXX in amount of XXXX dollars give or take. Of which I am just now discovering after I paid my legitimate debt with Bank of America. I attempted to resolve this matter recently as I am just now finding out about it and I was told, I didn't do it in the 60 day period. My complaint with bank of America began last year in XX/XX/XXXX whom I began my complaint with account closure whom I spoke with team Manager XXXX, in which I explained I was already in debut to bank of America and on XXXX XXXX at the time, this account would have existed he filed a note. I called the Fraud Dept and spoke with XXXX XXXX whom filed claim number XXXX. 
XXXX told me it may take up to 60 business days, I followed up XX/XX/XXXX speaking with XXXX in which she had no update. Finally I called and spoke with XXXX XX/XX/XXXX in which she said the investigator concluded, I didn't complain about it within the 60 day period so it's too late. I attested I am just now discovering any of this and I have a letter from bank of America saying I don't owe them any debt or further debt when I cleared my account in XX/XX/XXXX. She submitted for the investigator and there supervisor to contact me within 3 business days. Neither made contact with me.

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 12/19/2017 about Debt collection (Payday loan debt) with Clear Debt Solutions, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX XXXX XXXX is contacting my employer and direct supervisor and sharing my information with them. Also, they 're using forceful tactics and also leaving voicemails that are misleading regarding the nature of their call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation