milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: THIS IS MY 3rd ATTEMPT : Although this is my 2nd Complaint with CFPD, Experian still refuses to adhere to FCRA rules and regulations. According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete their investigation no later than ( 30 ) days or the item ( s ) in question must be DELETED from the consumer 's credit report. Unfortunately, it took Experian ( 49 ) or more days to complete my investigation, well exceeding the allotted time frame pursuant to FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Also, Experian refused to provide me with a Method Of Verification that they used to determined the validity and accuracy of the item ( s ) that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violation that were committed by Experian ; yet, the remaining violations are listed in my attached documents.

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 11/20/2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was approved for a Loan Modification fixed rate for ear term, effective XX/XX/XXXX. My pmt changes monthly and their web portal says I have an ARM that will change XX/XX/XXXX. I sent in a message with a copy of the Loan Mod asking for the correction and why I was being charged monthly for foreclosure fees. They replied it is an ARM with a change date of XX/XX/XXXX. Never answered my other question or looked at the Loan Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a few hard inquiries that I dont recognize from the past years and recently this year 1 hard inquiry is from XXXX XXXX XXXX, XXXX I Never Gave These People my information in person or over the phone. Another hard inquiry is from XXXX XXXX from XXXX XXXX XXXX I Never Gave This Company no information for me to have a hard inquiry. XXXX XXXX is another unrecognized inquiry on XXXX XXXX XXXX. Also I see a hard inquiry from XXXX XXXX XXXX and Capital one auto finance on XXXX XXXX, XXXX And XXXX XXXX, XXXX were both hard inquiry I dont understand why I have so many hard inquires from Companys That I Never Gave My personal information To. Could I please get them hard inquiries removed so that it wont affect my credit score in the future. Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Payday loan () with Big Picture Loans, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed {$800.00} from Castle Payday loans on XXXX XXXX, 2015. They have taken payments out of my bank account equal to {$1600.00}. and continue to try to debit my bank account {$400.00} twice a month. I am on social security and my bank account continues to be overdrawn because of them trying to take my money out. As soon as my SS check goes into my account each month I have to draw it out and pay my mortgage and utilities to keep them from taking it. I have had a nervous breakdown and I ca n't take this stress, I ca n't talk to them on the phone because i ca n't understand what they are saying and I do n't know how to stop them from taking my money. they are calling me all day long and leaving messages on my voice mail and I ca n't talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (VA).
Issue: Problems when you are unable to pay

Complaint: I co/signed for a car for my son in 2007 he and his wife left me with the payments that I could not make. The car was repossessed. The car agency called me after the repossession to inform me of what happened and asked me to make payments. The car was sold at auction but a {$10000.00} balance remained unpaid. This went on my credit and stayed on my credit for 7 years. I recently went to my credit union and they told me that the repossession has been reported again. It remains on my credit although its been over seven years. I am unable to use my credit due to this problem that will never go away. I am a senior on a fixed income who needs access to a good credit score, I pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AE).
Issue: Loan modification,collection,foreclosure

Complaint: We have been struggling with paying our mortgage for a while. This is the XXXX XXXX time I have had to borrow money just to keep up. To get most recent modification I had to file bankruptcy, because it was only then that Ocwen would take us seriously. As a result of this my credit is damage. The loan started as an interest only loan, XXXX Arm, which quickly increased in payments. We refinanced to what we thought was fixed only to learn it was another interest only loan with a XXXX Arm. When we tried to correct this Ocwen would not cooperate, instead they had someone else information on our file who was claiming to live in our home but in reality was trying to take the home from under us. It was then we went to a lawyer and had no other choice but to go the bankruptcy route. Even after all of this it is still not over, now what should have been a fixed 2.00 % apr, 30 year loan, if now increasing ( most recent XX/XX/XXXX ), and will increase again in XX/XX/XXXX to a 4.50 % apr, with the final payment being a balloon payment. This is the most discouraging of it all, because we would have been struggling for 30 years and still possibly lose the home is we do not have enough to cover the final payment. It has already been an 11 year struggle ... .and still no relief. We would love some assistance please as we are currently behind 3 months and now Ocwen is rejecting my monthly payments of {$1000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I set up auto pay and they refuse to stop calling me even though I called them back today and explained the situation. There is some problem with auto pay even though they have my bank account number and authorized it.

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 02-11-2017 about Consumer Loan (Installment loan) with PNC Bank N.A. (DE).
Issue: Managing the loan or lease

Complaint: My issue involves XXXX financial institutions. I have an existing personal loan with XXXX ( XXXX XXXX XXXX ) which I decided to payoff via a personal loan with PNC Bank at half the interest rate. 

PNC sent XXXX a check on multiple occasions to multiple lockboxes but the checks were sent back to PNC. XXXX could not provide a reason why the checks were not accepted by their lockbox service. I confirmed with PNC that my account, name, and the mailing address of the lockbox were all correct. Additionally, we sent a payoff via XXXX which was signed for when delivered. 

PNC refuses to try and pay XXXX via EFT or fund my account directly to pay XXXX via EFT. Additionally, PNC will not reduce my personal loan for the funds that have not been disbursed to XXXX. 

I am left in a situation in which XXXX loans are accruing interest and neither bank will try to resolve the situation in a manner that helps me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Other fee

Complaint: Best Buy Credit Card ( hereinafter referred to as " company '' ), offered through CitiGroup, assessed a non-disclosed " debt protection fee '' on credit card by a third party vendor. Requested documents pertaining to this service and refund for fees inappropriately assessed in XXXX XX/XX/XXXX and XX/XX/XXXX. Company stated that they were unable to cancel the service and that I would have to contact the third party myself. Informed the company of my intent to cancel the card. Company responded that they would cancel the debt protection service and proceeded to terminate the card. Company failed to provide copies of privacy notices and documents pertaining to the card per my initial request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2016 about Debt collection (Medical) with Armada Corp. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I found the debt on my credit report from Armada Corp and when I called the amount was a lot more than listed on my report. They stated it is interest they have been collecting. I told them I was never informed they were making interest off of this balance. I was under the understanding that if people or companies are going to charge interest on a debt, they have to inform the consumer. I do n't believe that a consumer should have to pay interest on a balance the company does n't communicate to you. As long as you do n't look at your credit report they will just keep charging and the consumer has no idea. I do not have anything in writing to attach because I never received anything in writing.

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 01/20/2017 about Credit card () with BARCLAYS BANK DELAWARE (MN).
Issue: Billing statement

Complaint: I received my credit card bill with a non cash advanced interest charge. I contacted the card company at XXXX on XX/XX/XXXX and spoke to XXXX. She stated the system was down and could not help me and to try after lunch. I called back at XXXX CST The system was still down. 
I called back today XX/XX/XXXX at XXXX the automated system said the system was down. I searched to find a non XXXX # I called XXXX and got a live person, XXXX. 
XXXX stated that the system was down being updated. 
I told him I was skeptical and wanted to close my account if I could not get an answer. He stated to call back around XXXX EST. I wanted to close my accounts but could not because of some technical issue on their end, is n't that illegal? I am accruing interest charges and can not stop it, and they can not tell me why they are charging me interest ( I pay in full ) so I do n't have any recourse. I want them to be investigated, I think they may have been hacked and are keeping it a secret.

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 04-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Billing disputes

Complaint: I bought a dining set XX/XX/XXXX from XXXX XXXX on XXXX/XXXX/2015 using my American Express card. I was told I would receive the furniture within a week. on XX/XX/XXXX, I received an email from XXXX XXXX stating, " ORDER ID : XXXX Dear XXXX XXXX, Your order has now been shipped from the manufacturer and is currently en route to our delivery company. Generally this process takes about 1 week. Once the order arrives at the local delivery company, they will inspect the order, and delivery time date will be scheduled. '' However, for two weeks, I had n't received the furniture nor had I heard from XXXX XXXX. I called the company and more phone calls followed. On XX/XX/XXXX I received the following email, " Order Routing ORDER ID : XXXX Dear XXXX XXXX, Good News! Your order is currently being routed for shipment. XXXX, a white glove furniture delivery company, will be contacting you in the coming days to schedule your delivery. We will deliver on the next trip in your area. 



Shipped with : XXXX XXXX ext XXXX ( XXXX ) XXXX will contact you to set up a date and time for the delivery. If you have any shipping related questions, please contact XXXX at XXXX ext XXXX ( XXXX ) ''. I called XXXX and was told the furniture will be shipped soon. After a week, my wife called and XXXX hanged up the phone. I called and was given the same excuse as before. With no good resolution in sight and my confidence in the company dipping low, I cancelled the order on XXXX XXXX and called American Express disputing the charge. American Express noted the dispute but did n't contact me with the merchant 's response and a satisfactory resolution. When I contacted AMEX, I was told the charges had been re-instated. I disputed the {$280.00} due to me. AMEX again did n't contact me. I contacted AMEX again with the same result. I am very frustrated with both the merchant and the credit card company. XXXX was a XXXX trusted store and had AMEX gotten back to me on time, I could have contacted XXXX to resolve the issue. Now, after eight months, I am still chasing to resolve the issue with AMEX doing a shoddy job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2018 about Debt collection (I do not know) with Allied Interstate LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX calls twenty times a day. It doesnt matter the time. They left threatening legal actions on voicemail

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 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I paid for a certificate to be mailed to me directly. I passed an online exam for XXXX XXXX XXXX. At the end of the exam it gave me a passing score and the option to buy a certificate for {$34.00}. I have never received the certificate after waiting over 3 weeks. I filed a dispute with american express Bluebird card accounts. I provided the following proof of purchase XXXX dispute form, photo of the receipt online, proof of the exam transcripts. I supplied these documents to amex blue card via their own secure email box on XX/XX/XXXX. Today on XX/XX/XXXX XXXX said " The document you are sent us is not valid to the  contact merchant. Please sent us appropriate documents of this dispute. '' I called XXXX the 1st representative told me just to wait a few more days. Asked for her manager and he said they never received the forms. That 's a lie because the message above clearly states " The documents your sent us ''. These guys are not going to resolve this. I thought I could dispute transaction with in 30 days just like every other bank. In addition this is my 1st ever dispute after years of doing business with XXXX. Shady business all over these days.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have been banking with bank of america for close to 10 years now. I recently in  XXXX ,   XXXX   transferred my balance from my bank of america account to a new account with  XXXX . i sent a  XXXX  dollar payment in  XXXX ,   XXXX   my account should have been paid in full and that should cover anything leftover. There was a  XXXX  dollars left ; i was with the understanding my whole balance was  XXXX . So i had  one  missed payment. instead of being notified i was reported to the credit bureau and my credit limit was slashed from  XXXX  to  XXXX   ,  which plummeted  my credit score m ore than  XXXX  points. This is wrong i had  one delin quency ( that should be removed under the case of misunderstanding/ miscommunication ) and now everything i have built gets thrown away and i 'm told there is nothing that can be done. Im a veteran who has recently been looking to get a home I cant use this  credit score hi t, this is criminal what has happened. I paid  XXXX  dollars  a two  months before this, i cant get a grace period or a phone call to be notified.

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 06/16/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CO).
Issue: Trouble during payment process

Complaint: Our mortgage was transferred from  GreenTree to DiTech Financial i n   XX/XX/XXXX   and was paid in full on   XX/XX/XXXX .  As per  DiTech Financials payo ff letter, our principal balance was {$13000.00} ; our escrow balance was {$1200.00} ; interest was {$34.00} good throug h  XX/XX/XXXX . Inter est per day was quoted as {$2.00}.  DiTech received a check on  XX/XX/XXXX  for {$13000.00}. DiTechs principal a nd escrow balances matched my recordkeeping.    Ditech mailed  an escrow check for {$1200.00}. Their check to us was {$58.00} short! I called the company o n  XX/XX/XXXX  to inq uire as to why our check was shorted {$58.00}. I was told it was because our payoff check was short and they took {$58.00} from our escrow to close the account. Knowing this was not correct, I asked for an explanation. The customer service agent agreed that the payoff was not short and stated she was sending our account to loan servicing for a review. I was told the same story on my subsequent phone calls  on  XX/XX/XXXX ,     XX/XX/XXXX  and  XX/XX/XXXX .    O n  XX/XX/XXXX , I mailed a certified letter to Ditech asking for an explanation. Finally, I received a letter from DiTech dated  XX/XX/XXXX  stating their records indicate the payoff was NOT SHORT and this account was paid in full and closed on  XX/XX/XXXX . The letter didnt say anything why o ur escrow check was shorted and didnt include a check for {$58.00}. The letter did state if I had any further questions or concerns, to please contact (  XXXX  )  XXXX . As such, I made more calls on   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . Again, I was told the same story, our account would be sent to loan servicing and I would receive a call back. It has now been 10 months and DiTech has failed to respond, has lied, and uses diversionary tactics. I am DEMANDING DiTech immediate ly send a check for the {$58.00} they owe us from our escrow account!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I feel that I have been a victim of the Fair Debt and Collection Practices Act as well as the unauthorized bank payments from Navient. They enrolled me in autopay even though she put me on and I told her to take me off. I unchecked al all of the boxes for autopay and their computer system put it right back on. 
These are UNAUTHORIZED transactions. I feel that this should be looked into on the part of Navient. This could cost me over XXXX in interest alone.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Medical) with Collection Bureau of the Hudson Valley, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: a debt went on my credit report that is not mine. someone used my real name, a wrong address and a wrong medical card number and this bill went on my report. i am enclosing copies of my medical card my license with my correct address and their bill showing my Wrong address ( never heard of ) and a medical card number on bill that is not my number, someone used my name and all the other information is not mine. i have medical insurance and have for several years, this was some emergency visit and i have n't been to the hospital in years. i also have insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MA).
Issue: Money was not available when promised

Complaint: I sent money to other country ( XXXX ), my sister did get this money and was sent back western union of the united states again

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NM).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: National credit systems has lied about there availability to settle my debt! The company has refused to come to a settlement or agreement to reduce the cost and has refused to agree on a pay to delete agreement! They state they can not do this which is a lie. They have refused to escalate the issue to management, hung up on me repeatedly and have refused to call me back or email me back! I have already opened a case with BBB and looking for help from the attorney general as well and they have been unable to resolve my concerns!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$110.00} to XXXX for XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation