milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2016 about Consumer Loan (Vehicle loan) with Direct Capital (TX).
Issue: Taking out the loan or lease

Complaint: I applied for a vehicle purchase loan with a company called Direct Capital and it appears that they intentionally are delaying my payment terms and requiring me to pay rental for the vehicle that I only intended to purchase. I believe this is a deceptive practice to extort more monies from myself and other potential customers. I say this because I 've purchased XXXX other vehicles during the course of my life so far and this is the first time that I 've been told that my payments are not going towards the purchase of a vehicle, but towards a rental fee, while title and other documents have been signed stating that the transaction was clearly a purchase.

Company response to consumer: Untimely response
Consumer complaint received 09-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Inaccurate info such as home loansinaccurate loan and information on credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (SC).
Issue: Closing on a mortgage

Complaint: was approved for a modification back in XX/XX/ and now Carrington Mortgage is trying to tack on extra fees that were not in the modificaqtion

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Other transaction issues

Complaint: MoneyGram canceled and refund my transaction after more than 35 hours of having my money blocked - doing that by offering a - In minutes transfer money service. 
XXXX XXXX XXXX 2016 I went to a MoneyGram location in XXXX IL with the intend to send ~ {$1500.00} ( XXXX ) to a Friend of mine in XXXX . I talked on their red phone that they have at that location, that someone automatically answers to guide you with the transaction. 
After I confirmed my name, my friends name and location, the Transfer in Minutes fee for sending {$1500.00} was {$80.00}. So I agree to that and pay the money, I got a Reference # XXXX and they said the money should be available to pick up in XXXX in a mater of minutes. But that never happened because the second day XXXX XXXX I called moneyGram to check the status of the transaction and they said the transaction is under review and that they need to transfer me to a different department that has some question for me. So they transfer me and I waited 20 min and nobody answered.I called 2nd time after ~1h and same story I was transferred to this department that never answers ... and waited for ~32 min this time ... still no answer so I give up. XXXX XXXX in the evening I go to a money gram location next to my house to try to get some answers, I used their Red phone again and guess what, same story I had to wait to talk to this department and they said it may take more the 40 min or 1 hour. So I told them that in this case I just want to cancel the tansaction, because it is not money in minutes transaction anymore, almost a full day past by and I spent XXXX on the phone trying to understand what do they need to review. 
XXXX day the XXXX XXXX 2016 I called them again, same story this time they transfer me and this department finally picked up after just ~15 min waiting for them. And they asked me the same question that they had asked me when I first made the transaction on the phone, my name, my friends name ( the receiver ) and so on ... that finally they come up with this reason that the transaction has to much risk and that they will refund my the money. Now I got a new reference # that I hope I can use it to get my money back, I have not got to and MoneyGram office yet. So this was after min ~ 35 h from when I made the transaction and payed the money for it. So the SCAM that MoneyGram IS DOING is that they have use my money ~ $ XXXX {$80.00} fee ) for ~35 h and as they work almost all over the world they probably do this for XXXX of people like me and are able to block huge amount of money just for at least 24 h so they can collect interest on it or invest the money or whatever. For a service that is called money transfer in minutest that actually blocks your own money for more then 24 h that is outrageous and most probably illegal. I relay appreciate if you will take note of this fact and start investigating Money Gram. 

I WILL NEVER USE MONEYGRAM SERVICE AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Student loan (Non-federal student loan) with Northstar Location Services, LLC (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Debt Collector - North Star has been harrassing my phone, calling 10 times in two hours. Asked them to stop and they keep calling.

Company response to consumer: Closed
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with Allied Interstate LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by ALLIED INTERSTATE, XXXX XXXX XXXX, XXXX MN XXXX, on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There is a fraudulent charge on my account, I have researched the charge and deemed it to be fraud. I reported the charge to my financial institution and they have told me it can not possibly be fraudulent because I paid the bill, which is what a person does to keep an account from going delinquent. They told me I must go through an extensive process to reopen the claim even though it should not have been closed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I am currently paying Mortgage Insurance to Quicken Loans of {$120.00} and have been paying this for four years. I have heard that the Mortgage insurance should drop in 2017, then I was told by Quicken Loans it should drop in one or two years, and then most recently I was told by Quicken Loans it would be 11 years : ( and would I like to refinance with a different type of loan to get rid of it. I would like to know when this money will no longer be charged. It would help us tremendously to get this payment lowered. I do n't like the run around I get every time I call Quicken, they are always wanting us to apply for a different type of loan or to refinance our loan. I would like without a doubt an answer as to when the {$120.00} Mortgage Insurance Payment will drop off our monthly house bill. Thank you for your time in looking into this for us. Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I noticed a debt from Account Resolution Services on XXXX XXXX. The debt was placed on my credit report in 2011. I sent ARS a certified letter requesting their info, the original creditor 's info, verification, and a lot more info for verification. They sent a letter back simply stating they verified the debt and the amount they say I owe. The debt is from XXXX XXXX XXXX of Maryland. I called the hospital, who put me in touch with another number that handles the billing for the physicians. Then given XXXX other numbers with no success at finding the bill or who is handling it. I called ARS and spoke to a lady, she stated that she did not know the contact info for them. I questioned how they would send them the money if I was to pay the debt, even though I do n't know what this debt is for. She simply stated that they could. I called back the next day, asked a lady named XXXX the same questions, received the same response. I asked to speak with a supervisor. A gentleman called me back the next day. I asked him the same questions. He refused to give me any info but said he had it. I then placed him on hold, came back and stated that I was recording the rest of the conversation. He refused to give permission and still refused to give me any information. Obviously they are hiding the original creditor 's info for a reason. Maybe they want the money for themselves. I simply want this resolved. Any help that you could give me would be much appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with PAYPAL HOLDINGS INC. (IL).
Issue: Billing statement

Complaint: PayPal Credit is practicing deceptive lending practices by not including on their monthly statement any indication of how " Standard Purchases '' are paid when you have a Promotional Balance and paid the " Amount to avoid Standard and Deferred Interest on your next statement '' each month. I was told by " XXXX XXXX '' ( a supervisor with PayPal Credit ) that their policy is to pay the next promotional balance with the " Amount to avoid Standard and Deferred Interest on your next statement '' and not the " Standard Purchases '' in a given month. They then roll the " Standard Purchases '' onto the next statement and do n't charge interest ( because you paid the " Amount to avoid Standard and Deferred Interest on your next statement '' ) - BUT do n't show this rollover of " Standard Purchases '' on the next month 's statement, they just bundle it in the line item " Standard Purchases '' under " INTEREST DETAILS '' making it impossible for the consumer to see where the extra amount is coming from. i.e. the " Account Summary '' shows " Purchases & Adjustments '' ( supported by the line item detail under " CURRENT ACTIVITY '' ) and on the next page, under " DEFERRED INTEREST CALCULATION '' they list the " Promotional Balances '' expiring in the statement month - but they do n't ( and he said their policy is to never show ) the amount of last month 's " Standard Purchases '' rolled over detail on any statement -- because " our language on the statement regarding " Amount to avoid Standard and Deferred Interest on your next statement '' only reflects how Interest is handled - not how payments are applied ''. 

This policy makes it so the consumer is unable to reconcile the amount being paid for " Standard Purchases '' with the " Amount to avoid Standard and Deferred Interest on your next statement '' - which leads to the consumer 's inability to predict how much they will need to pay in any given month " to avoid Standard and Deferred Interest on your next statement ''. 

" XXXX XXXX '' agreed that this was confusing, and he offered to raise my concern with his management - but everyone needs to understand that this practice makes it impossible to budget in advance for paying for non-promotional purchases and promotional balances and you have to wait each month to see the " secret '' " Amount to avoid Standard and Deferred Interest on your next statement ''. I was able to handle the surprise this time around - but it certainly could cause someone to be tricked into not being able to pay off their promotional balance in advance and avoid interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with Nevada Credico, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX I was removed from lease which relinquished my responsibility to the property. XXXX XXXX XXXX issued a debt collection- without notification of debt- in my name as well as the other party. I spoke with the management for the apartments and I was told that I should have not received a collection and that they would notify the collection agency. This was in XXXX. I have disputed the collection 3 times and it has been denied saying all information in correct. The collection agency is Quantum collections.

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 03/22/2016 about Debt collection (Medical) with Remex, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Last week I received a call from Remex Revenue Management of XXXX XXXX XXXX XXXX N.J. XXXX. Stating that they was hired by XXXX to collect a Debt. of XXXX at that in formed that I had payed some of that. Then I. was inform they going to report this to my credit report. Then I got letter from them dated XXXX 2016 with the same. so I just payed the entire bill due to my illnesses.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My identity had been stolen in 2010 along with the identities of my XXXX children, since then I have been doing the best I can to regain stability, becoming homeless, unemployed seeking assistance while undergoing scrutiny of legalities which remain a very large impact of my life. At best efforts I remain as diligent yet discouraged as I can imagine to be the worst I 've ever confronted. However every time I pursue some sort of professional entrepreneur option & or application for work, seeking only to remain focused for my familiy and ultimate career goals I hit another invisible brick wall, which can not be explained in better ways than if it 's not XXXX thing it 's another probably due to finances ... Now I can properly employ myself with XXXX XXXX XXXX XXXX XXXX small businesses if I am able to find some serious contributing benefactors. However it is that I can I will exhaust the opportunity to prove that this negativity did n't need to be such an considerately low form of empowering the employable. Please take time to correspond with me in every form of contact information provided. I do thank you for you time and consideration. I do apologize if I may have inconvenienced you by any manner. Please enjoy your day.

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 02-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This collection agency has no surety bond in the state of Texas.They are illegally attempting to collect from me.They refused to take it off my credit report.Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402-.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice. 

Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402. The attorney general or a district or county attorney may investigate an alleged violation of Chapter 392. If you notify the secretary of state, this office will notify the third-party debt collector or credit bureau of the bond filing requirement and, if necessary, refer the matter to the attorney general for investigation. Please report the names of any third-party debt collectors and credit bureaus that do not have bonds on file to : Registrations Unit Statutory Documents Section Office of the Secretary of State XXXX XXXX. XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX I have filed a report.I hope you will take action.Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 02/25/2018 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (CT).
Issue: Trouble during payment process

Complaint: I have a two family loan and a home loan with PHH Mortgage XXXX. 
I pay each of my mortgages with electronic bill pay through my credit union. Although I have spoken with PHH and provided proof of my payment day and proof of electronic delivery of these payments I have received notices of delinquent payment charging me a {$40.00} late fee each time. I just receive another notice in the mail saying my payment was late. I have checked my checking account and it shows the payment was posted on the XXXX. Each time I call to provide proof of dates payment was sent and receive ( I get this information from my credit union ) they argue with me and then tell me I can use my one time late payment forgiveness option and I then have to argue with them that I am NOT late and refuse to use the one time late payment option. Can someone please help me so I do not have to contact my credit union and then PHH to prove my payment was  delivered on time. This is becoming a habit with PHH and I do not feel it is fair for me to take time out of my work day to deal with this issue which is becoming reoccurring. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This account was disputed because the first date of delinquency was reported incorrectly by Bank of America, N.A. Neither XXXX nor XXXX were able to verify the first date of delinquency reported by Bank of America, N.A. and deleted the account from my record.
FCRA 623 ( a ) prohibits furnishers of information from reporting information to a credit reporting agency if the furnisher knows or has reason to believe that the information is inaccurate. The statute defines reason to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts as to the accuracy of the information ( 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and ( D ) ). The deletion of the account by XXXX and XXXX because of their inability to verify the information casts substantial doubt as to the accuracy of the first date of delinquency being reported by Bank of America, N.A.
According to XXXX, dispute results are not shared by credit reporting agencies because only the business knows which of the consumer reporting agencies have received disputed information ( see attached ). Bank of America has failed to notify XXXX that the information they are reporting regarding this account was deleted by XXXX and XXXX because they were unable to verify the first date of delinquency reported by Bank of America, N.A.

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 03-06-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax responded to this investigation in a letter dated XXXX/XXXX/2016 Confirmation number XXXX. They are still claiming this account is a valid debt, and will not re-investigate any claim regarding a dispute to these accounts unless they receive relevant information to support my claim. Obviously they did not verify any of this information. I have provided sufficient documentation to have this account removed since the date listed on to their offices directly, and to date this account still remains on my credit report. This account being disputed is now listed as XXXX ... ( which is this exact same account that I disputed in this case ) as a negative item. 

They claim they have validated this debt, however per CFPB complaint number XXXX, and cfpb complaint number XXXX : I want the method of validation they used to obtain proof this is a valid debt and/or the deletion of these accounts from my credit reports. I have spoken to the original creditor and have a printed response from JPMCHASE which was attached to the original dispute in your office stating they no longer owed or controlled this account. I specifically wan the name and phone number with the extension of the person they spoken to. I will not accept and do not want any verification of these accounts through a third party or database, because it should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt collection agency called Convergent Outsourcing , Inc., has been calling my home phone and has begun sending letters claiming that I owe a debt to XXXX, of some {$400.00}. After confirming with XXXX that I had no outstanding balance, I closed my account. Convergent has continued its attempts to collect the debt despite my telling them that the debt is invalid.

Company response to consumer: Closed with explanation