milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: In XXXX 2015 we recieved a call from an agent at XXXX - XXXX California advising that they are calling all existing lessors that are near expriration to participate in their early return and exchange program and to bring the car for inspection to qualify. I had a XXXX month lease and it will be up in about 5 months. That following week after we got the call, we decided to bring the car in and get it inspected to see if it would qualify into their early return and exchange program. We waited in the dealership while the car is being checked and several hours after that the agent came back and advised us that everything is good and the car was inspected and checked and it is qualified for the said program and that we can select another car or a totally different car and they will take care of terminating the existing lease and the remaining lease and terms. 
We had chosen to upgrade from a XXXX to an XXXX and they asked us to pay for the additional funds to get to the chosen car and we then went on to sign up for a new lease and this time for more monthly payment. We ere coming from a an almost double the monthly payment from $ XXXX monthly to {$680.00} monthly. We paid the additional required down payment, signed the new lease and we drove out with the XXXX. 
Four months later, we received a call from someone at XXXX XXXX advising us that we owe them over {$3000.00} for excess mileage. and we argued to them that we do not believe it so because the dealership did not adrress it then in XXXX 2015 when we exchanged the XXXX to the new XXXX into their so called early return and exchange program and their inspecttion should have addressed that before we even get lured into signing for a new lease. Had we known that then, we should not have gotten into their bait and switch and that they are misleading the consumers and come back to it after the fact and almost to a point of no recourse. 
Honestly, our original plan was to keep the XXXX hybrid lease because of low fuel consumption and we would have gotten it re-written to a purchase but because we were misled the other way, they had induced us to sign up for a lease that is from a {$390.00} to a {$680.00} monthly and they are asking us to pay {$3700.00} thru a collection agency - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ext XXXX as per letter recived from XXXX XXXX of this outfit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-09-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX and XXXX XXXX filed for a short sale application in XXXX and we received an offer on the property in XXXX. They are a divorced couple who are both on the loan and turned in all paperwork including proof of income or lack thereof, bank statements, tax returns and required documentation and divorce decree. Chase required that the wife quitclaim the property to the husband so that XXXX of the XXXX parties claim responsibility for the property which we are totally baffled by and now they are telling us instead of moving forward with looking at the offer presented that they have to consider the husband for retention of the property before they can look at the short sale. It has been the intent of the homeowner to short sale since XXXX and we are about to lose a valid buyer at current market value due to the delay by Chase employees to get their act together. The husband and wife knew when they divorced they would have to sell the property and neither would be able to afford it alone to force the homeowner to go through the steps and time consuming and overwhelming steps they have been put through is going to cost them the XXXX and only buyer they have for the property.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: SunTrust Mortgage has not paid taxes on my property - the county is bothering the old owners of the house saying " taxes are due '' ... and will become deliquent on XX/XX/XXXX. 
I 've been in contact with SunTrust Mortgage, and they show that they did pay the taxes in XX/XX/XXXX, however, XXXX County in FL is saying that have not. 

They keep saying they are looking into the issue - however, I have not had any updates in two weeks. The deadline is quickly approaching.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than 7 years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  XXXX   XXXX .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection agency not a Government Agency like Department of Education.      XXXX   XXXX   XXXX  are reporting the account as a collection account not a  Student Loan Education Ac count, and they are not showing as current. I have been making automated payments since    XXXX   XXXX   XXXX    faithfully in the amount of {$200.00}, but in  XX/XX/XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as "  Past Due  '' with no payment listed as " OK '' it has a " C '' which represents Collection.     The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with  XXXX   XXXX  and their answers are : " Sorry, We ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to  XXXX   XXXX  for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit bureaus.

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 07/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have Discover Credit card for years. They have a price protection plan. in simple terms - if you buy something online and that something is found to be of lesser value within 90 days - one can submit the claim and get the difference amount. I submitted one such claim Claim # XXXX My price protection claim was denied for really weird/unacceptable reason. The XXXX XXXX camera with lens that i bought it - it was found to be cheaper within few days. But still my claims was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XX/XX/2014, I have attempted to get my annual credit report from Equifax. 
On their request form it asks for information about a mortgage and a recent auto loan, neither of which I have. It then tells me to send in a copy of my S.S. Card and my drivers license and a copy of my lease. Basically, my entire life information. 
Then I never receive anything in the mail. 
Twice I have sent information. Twice I have received nothing in the mail. 
This is HIGHLY concerning as they are apparently showing items that would indicate identity theft, yet refuse to follow the law and give me a free copy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  Order The following credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX     XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX  Bank  XXXX / XXXX / XXXX  Please remove these inquiries from my credit report 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 06-02-2015 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: I turned in the XXXX lease car for a new lease car at nissan dealership. I was told all would be taken care of. XXXX debt collectors begin calling about damage to XXXX of {$400.00}, harrassing phone calls, were told to stop ..kept calling ..were told to send info about lease car damage ... none sent..calls continuing..XXXX XXXX XXXX, XXXX XXXX various numbers used

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a XXXX account being reported on my credit report that does not belong to me. I have disputed this account with XXXX and received a letter from them stating that I did not authorize to be added on this joint account XXXX and should no longer be reported on my credit. I have forwarded this information to TransUnion to have it removed and they performed an investigation witch did not remove it from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Taking out the loan or lease

Complaint: I was sold a vehicle XXXX/XXXX/XXXX. A vague description was given to me stating that the vehicle I purchased " is a used vehicle that has had prior structural body repair work, indicting that the vehicle has previously been in an accident ''. I went to trade my vehicle in at another dealership on Saturday XXXX/XXXX/XXXX and they pulled the XXXX which showed that the vehicle had been found to be a Total Loss Vehicle as of XXXX/XXXX/XXXX. I was never given the XXXX, offered to see it & or was anything divulged that this had been a Total Loss Vehicle. I called the dealership, XXXX XXXX XXXX XXXX, after I returned home & was told by a man, XXXX ( who later identified himself as a Partial Owner of the dealership ) that it was " Not a big deal to have a Salvaged title ''. I told him it was a problem as I was never informed of this matter and Never would have purchased the vehicle knowing it had a been deemed a Total Loss/Salvage vehicle. I explained that this is/was fraudulent not to divulge this information prior to the sale of the vehicle. I requested him to pay my loan in full at this point. XXXX asked me to find out what the dealership I was trying to do the " trade in would take from the appraisal prior to looking at the carfax and he would purchase the unit as a trade in from me. I told him I would not do a trade in with his dealership and he needs to pay my loan in full period. I told him I do not even know how " XXXX XXXX '' did the original financing on this loan with a Total Loss/Salvage title. I have since done a refinance on the loan with Capital One and I have sent them an email notifying them what is going on as of XXXX/XXXX/XXXX along with requesting a copy of my title be sent to me also. I am looking for matter to be resolved immediately. I have sent him XXXX emails and with the information he requested from me but have not heard back from him still. When I purchased my this vehicle the dealership was very rushed. After I had been the unit I had to take the unit into XXXX XXXX to have it looked at for the Battery light staying on. I then found out that they never put a battery holder back in the car ( as the vehicle per XXXX had front impact damage, vehicle towed and airbag deployed ) which caused the wire to move and break the censor which would cost over {$1000.00} to fix due to how they have to do it. The car has had a clucking noise coming from the left front side also as it seems to be stemming from the original frame damage it had originally when it was deemed a total loss. I was completely shocked when I found this news out and just want the XXXX XXXX XXXX XXXX to do the proper thing and pay the loan off and they have the car back.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We have been getting repeated calls from the company Freedom Mortgage. This has been happening for several weeks. In each case we have informed them the house has been paid off since the late XXXX 's and there is no intention to open a loan on a house that is paid off. We have been told repeatedly that we applied for the loan which is not true. We have repeatedly asked to be removed from the call list. WE have been repeatedly told it would be done. This morning alone we received two calls no more than 5 minutes apart. The main Customer Service phone number for Freedom Mortgage is 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
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is in the business as a trade practice and business model of protecting its paid subscribers and not the consumers whose information they collect. The federal government is n't one of those subscribers in respect to the federal court system. Experian utilizes third party vendors to collect court records utilizing incomplete information and in such report back to the consumer that information has been verified, while it has n't by the standards verified complete information concerning the consumer nor does it report the third party vendor.   Experian was subject to a complaint concerning information that is n't mine, in the process I provide social security card, and  XXXX  tax formfrom th e social security administration to   verify my name as well as my social security number. In the attempt to cover up their practices of never removing information that is inaccurate they added the name which is n't mine to my file and then said they verified the information. This practice is illegal and must be stopped

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 03-06-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My family has owned our home in XXXX, Arizona for over 30 years. I have had some major health issues the last few years and due to a XXXX and XXXX XXXX was forced to retire. I had a lapse in income after retiring while waiting for my XXXX checks to begin and as a result fell behind on my mortgage with Nationstar. Now that I am receiving a regular check from XXXX and with my wife 's income we can resume making our mortgage payments. The problem is that Nationstar will not accept our payment. They will not communicate with us or assign a point of contact. We have asked to be reviewed for modification programs through the federal or state government but they have not even opened a review. As a result we now have a foreclosure sale date set for XXXX XXXX, XXXX. This should not be happening because we can afford a fair payment if Nationstar just gave us a chance at a modification. 

My wife and I refinanced our home in XXXX. When I began having XXXX XXXX in XXXX and was unable to work we were allowed to apply for a loan modification and were approved. We made these payments without any problems until I XXXX in XXXX which left me unable to work. At this time the loan had been transferred to Nationstar. I do n't know why Nationstar is not even considering our current financial situation and working with us towards a restructured loan. I think it would be better for everyone and more money for Nationstar if they worked with us and allowed us to stay in the house instead of foreclosing on us. We are not that far behind on the loan and our balance is low as well. I definitely believe if Nationstar took the time to review our information we would qualify for help.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (I do not know) with Firstsource Advantage, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: on XXXX XXXX I was contacted by XXXX i told them the person they are calling for does not live here and to remove my number. they said they would remove the calls. on X/XX/17 I received another call by XXXX asking for same person to collect on. FIRST SOURCE is abusing my phone # and I am a senior citizen and a military family member.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with DFC GLOBAL CORP ().
Issue: Struggling to pay your loan

Complaint: I contacted the loan places Im on XXXX XXXX there saying I have to pay {$500.00} a month that not right it from moneymart

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (I do not know) with AllianceOne Recievables Management (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Robo calls asking for someone not me. As instructed I press XXXX to indicate I am not the person they want but the calls continue several times a week. They say to call XXXX XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Company claims I owe {$190.00} to   XXXX   XXXX   XXXX   XXXX  . However, I have attached a receipt dated  XXXX / XXXX /   16 from   XXXX  with this specific amount itemized, showing that the bill is paid in full and my total amount due is {$0.00}. I have also attached my credit card statement showing they in fact also charged me more than the amount listed on said receipt. I previously disputed this information and the company continues to report saying it is verified this amount is still owed despite my furnishing proof that it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2011 XXXX investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of National Fuel to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from National Fuel to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for National Fuel.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX XXXX found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation