milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2016 about Consumer Loan (Vehicle lease) with U.S. BANCORP (NJ).
Issue: Taking out the loan or lease

Complaint: I contacted US Bank for a payoff amount of my remaining lease term to try to trade the vehicle in. I was told a payoff could only be provided to a dealership. When I called with the salesman on XXXX/XXXX/16, he was quoted {$25000.00} to payoff the lease. Then the US Bank rep asked if I was leasing another vehicle through US Bank. The salesman said no, stating their dealership does n't have a financing relationship with US Bank. The rep then said he had to recalculate the price, and came back at {$31000.00}. When the salesman asked why a nearly $ XXXX increase, the rep said " loyalty has it 's benefits. '' That evening I called and was transferred to the lease maturity department. A male rep was very rude and repeated the " loyalty has it 's benefits '' mantra and told me the bank has the right to increase the contractual lease buyout if I am not going to stay with the bank for a future transaction. When I asked for a manager I was initially told that I was not entitled to speak with a manager because he/she would tell me the same thing. After protesting, I was put on hold for 10 minutes and then told the entire management team was in a meeting. I was told I could not stay on hold and that the rep " guaranteed '' I would receive a call back that evening. I have not received a call back. When I called back the next day and explained to the rep what my issue was, I was put on hold for 7 minutes and then told that " due to technical difficulties '' I could not be transferred to a manager and should call back. I believe what US Bank is doing is illegal and deceptive - and being refused the option to speak with a manager to file a complaint is unfair. I should n't be penalized for looking to a different financing source, and I should n't be treated as rudely as I was by several representatives at US Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (TX).
Issue: Trouble during payment process

Complaint: Our Mortgage loan # XXXX was bought out by Lakeview Loan Servicing , LLC inXX/XX/XXXX. XXXX XXXX  handled it previously and paid my County Taxes inXX/XX/XXXX My escrow account has been charged twice for that now. {$1600.00} was paid XX/XX/ and {$660.00} was paid in XX/XX/. When the new company ran my new escrow analysis it shows another tax amount due in XX/XX/ of {$1600.00}. This is not due nor paid and caused a huge shortage in my escrow. Which in turn caused me to pay extra every month. I have a ticket number where I sent payment receipts in for taxes and I opened the issue with Lakeview. That is # XXXX. It's now XX/XX/XXXXand I have called more than 10 times. I get the same answer of its being processed and a new date everytime. Please help.

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 03/25/2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received a letter dated XX/XX/XXXX from XXXX XXXX XXXX,XXXX XXXX XXXX, XXXX XXXX SC XXXX who represents JH Portfolio Debt Equities , LLC regarding a XXXX XXXX credit card debt I had no knowledge of and that was expired since it was, according to their letter, from XX/XX/XXXX. The letter indicated that " this is an attempt to collect a debit by a debt collector and any information obtained would be used for that purpose ''. I responded as indicated I must do within 30 days to dispute the validity of the debt. Today, I've ordered my free credit reports to see if they have impacted my credit. They also indicated that even if the statute of limitation for suing me to collect the debt may have expired if " the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you ''. This is a scare tactic by this company to try to force me into the payment plan they offered in the letter and, to admit that this debt is my debt so they can reset the timing for the debt in the CREDITOR 's favor and continue their deceptive collection procedures. This is a violation of the Fair Debt Collection Practices Act,15 U.S.C. and these types of collection companies that buy junk debt and threaten the public should be banned from being in operation in the U.S.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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Dear XXXX XXXX : I had called you in reference to a closed utility account named XXXX XXXX account number XXXX. This account was reported fraudulently by the credit on XXXX XXXX XXXX. After closing and paying the account, whomever reported this information should be investigated for using FCRA systems in an improper manner. Despite my dispute XXXX XXXX has not fully investigated, and I am asking the CFPB officials to investigate the matter before I file a law suit in regard to XXXX XXXX XXXX credit reporting. 

Not only the act was in violation of state law ( 16-262g ). It was willful act by either collection or customer service agents at XXXX XXXX to harm consumer credit. 

XXXX XXXX needs to delete the entire account, correct and block the creditor from conducting illegal credit reporting.

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 04/27/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing {$1200.00}. I never owed that much on the card. This is inaccurate all around!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After receiving a call for the first time, was told they called me 96 times however never sent me anything by mail so it was the first time I was hearing no messages on voicemail nothing. I was asked for my banking info to pay the debt, I refused and asked for documentation of this debt to make a settlement or payment arrangement. I was told I would receive it that day two weeks went by and nothing. Today I received another call the caller was intimidating and threatening to take action and judgement against me and he could n't send me anything because the law did not allow. I know this to not be true as I have settled a few account with collection agencies. I demanded to speak to a manager who then told me he could email me something pertaining to arrangements I would like to make to pay this debt off, but as soon as I received it there is no letterhead, no signature name. This just seems really odd and suspicious to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Bank account or service (Checking account) with CURO Intermediate Holdings (AL).
Issue: Deposits and withdrawals

Complaint: I had an unauthorized transaction on my account because I had revoked in writing this lenders right to debit my account, which is what they require, I called the bank to dispute it on Friday, XXXX XXXX, 2016. I had n't heard back so I contacted XXXX bank and was told today that they are not going to refund my money from Speedy cash. 

They said what I sent them does not prevent withdrawal from my account. She put me on hold and then hung up on me. They denied the claim with no valid reason.

Company response to consumer: Closed
Consumer complaint received 09/20/2017 about Debt collection (Auto debt) with Alpha Recovery Corp (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I am not disputing the amount of money i owe. Three ( 3 ) times i have set up a payment plan on their website. Each time they never took the funds. I am writing this complaint to get them to stop calling my grandmother who is hard of hearing and gets very agitated when being spoke to rudely on the phone. I have already asked them once to stop calling my grandmother, but they continue to do so. I just ask that they deal with me and stop harassing my XXXX old grandmother.

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 04-09-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification and was denied but I never received a denial letter. I hired an attorney to represent me and he filed the application and followed up with the bank and they told him that I was denied for income issues and that a letter detailing the denial and allowing for an appeal would be sent out. This phone call was on or about XXXX XXXX, 2016. He was told that the letter was dated XXXX XXXX, 2016. I called XXXX XXXX, 2016 and was told that I was denied because I did not submit enough paperwork. Never did I receive a letter saying additional paperwork was needed. In fact the file was submitted for decisioning and the decision was supposedly made based on an income issue. In the middle of the decisioning period my home preservation specialist left the company. My attorney was told on the phone on XXXX XXXX, 2016 that the foreclosure was suspended and my loan modification was in an appeal status. On XXXX XXXX, 2016 the bank said the sale will go forward and the loan modification was denied for lack of documentation submitted. Wells Fargo is not allowing me a chance to review their decision and I am going to lose my residence. I have attached all of the documents that were submitted and considered as a full file. The only document that was requested after the initial documents were requested was my tax return which I provided. This was because the XXXX that was provided by America 's Servicing Center was rejected by the IRS. If I was rejected because of my income I know I deserve a chance to appeal. My attorney was given specific income information that was the basis for the rejection. The representative informed my attorney that my DTI was above XXXX %. I know that I have a right to appeal that decision. To then attempt to convert that decision to a failure to provide documentation decision if bad faith and a failure to live up to their obligation to negotiate in good faith with borrowers.

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 07-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Bankruptcy in 2010 and did not reaffirm. Selective Portfolio Servicing refuses to report my monthly payment to the credit agencies. Obvious that my credit score suffers, as I have never been late or missed a payment in eight-years of owing the property. Is there any mechanism to force reporting?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There is fraudulent transactions resulting from identity theft. I provided Navy Federal Credit Union with a FTC Identity Theft Affidavit and they have not complied with the laws to remove unauthorized transactions nor stop reporting incorrect information to credit report agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is misreporting an account I had with them as charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid DIRECTLY to XXXX and not a third party collection agency. The minimum that XXXX could have done was accurately update my credit report as " collection paid ''. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This issue was never resolved and has been on going. I am to the point of filing a lawsuit because the false reporting is causing me XXXX and is taking on me moving because do to your companies false reporting. There is a collection listed as security in the amount of {$1900.00} opened XXXX XXXX and also XXXX XXXX {$1400.00} XXXX XXXX XXXX which is fraudulent and does n't belong to me and I would like remove. Also your agency is not reporting accurately on my credit cards which I have paid down the balances please get these things corrected as they are cause extreme stress on my life. Having a XXXX child with XXXX XXXX XXXX XXXXs enough so please fix these issues so me and my son can move. If there 's any questions I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CB1, Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This matter has been resolved as of XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Settlement process and costs

Complaint: My mother passed away XXXX months ago and she had a reverse mortgage on her property. We opted for a " Deed in lieu of Foreclosure Agreement '' on XXXX/XXXX/15. The mortgage company will not take ownership until the property is settled ( not scheduled for at least XXXX days ). On XXXX/XXXX/15 we discovered that the mortgage company placed a lock on my mother 's home without any notice or before they took ownership of the property. In XXXX, it is illegal to lockout a resident unless they have proof of ownership. I have the deed to my mother 's house in my possession and the mortgage company does not own at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Debt collection (I do not know) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery continued to report an false claim on my credit files. The debt is not mind

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2015 about Debt collection (Auto) with CCS Financial Services, Inc. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owe XXXX XXXX dollars for a snapshot I have not returned. But I am going to. Another thing they charged me XXXX dollars for nothing. I discontinued insurance company and they charged me for it! I will never go to progressive again because they falsified collecting information and charged me tons more than I owe them. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The Condo that I manage received a Certificate of Title to unit XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL XXXX because the owner did n't pay maintenance dues. The unit stinks up the hallway and the a/c does n't work so mold will cover the unit soon. Not to mention the abundant amount of live roaches which will eventually make their way to neighboring units. Is there a way to speed up the bank foreclosure?

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was purchased from XXXX by PennyMacUSA at the end of XXXX 2015. I 've called support, emailed support, filed a better business bureau complaint, and I can not get PennyMac to assist me with online account access to view my mortgage information. When I called support, the support representatives have told me that the website does not work and that they get a lot of complaints, but that there 's nothing that is currently being done and no way to assist in providing me with online account access. I request an account reset from the website and never receive an email to reset my login which is not working and I also never received a response to my complaint I logged via the website. It 's not fair to me as a consumer for my loan to be purchased from a company that provided me online account access and responses to my inquiries to PennyMacUSA which does n't meet a basic standard level of service and support. 

There are many complaints all over the web with other consumers faced with this same situation - PennyMacUSA bought our mortgage loans and has failed to provide a basic level of service of the previous mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Debt collection (Other debt) with ERC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Viewing my credit report in detail, I noticed an account was opened using my credentials with a company going by the name of XXXX XXXX XXXX XXXX on or about XX/XX/2016. It claims it has been placed in collections for the amount of {$630.00}. The account status is still labeled as open. I have received a derogatory remark on my XXXX Credit report making it very difficult for me to obtain the credit that I need. I have never at any time received any mail or bill from this company. I have never had any account with XXXX XXXX XXXX, this is not an account of mines or I have ever opened. I would like to address this immediately. I would like this derogatory remark removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Breach of contract. I supplied everything need for a loan mod. In prior complaint with CFPB complain # XXXX. According to the Deed of Trust along with Note, the grounds for acceleration were not met. Provided for you to read are the Deed of Trust and Note.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2012 I attended XXXX XXXX XXXX college. This balance needs to be forgiven under the condition that this school closed and I am eligible for Closed School Debt Relief. I have spoken with representatives from XXXX XXXX on several occasions in regards to this debt and no one has removed this account from my credit report. This account needs to be updated to a XXXX ( XXXX ) balance and " Paid as agreed '' OR removed completely and permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting 3-4 phone calls per day in the last 2 months from Bloomingdales credit agency for our account we continualy explain over and over again that I am out of work no money coming in anymore, until then we will send a payment in the next month hoping I return to work. But they now continue to 3-4 times per day we answer the phone and nobody responds on the other end. I had warned them that 's harassment but they did not respond to my concern about there calls to us. thank you for your help in this matter 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