milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2017 about Consumer Loan (Vehicle loan) with GREATER SUBURBAN ACCEPTANCE CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: Back on XX/XX/XXXX I initially filed a claim against Greater Suburban Acceptance Corp with the Consumer Financial Protection Bureau due to this company not responding back to me and reporting inaccurate information on my credit report. Greater Suburban Acceptance Responded back on XX/XX/XXXX stating that they needed more time to address my issues and concerns, however on XXXX/XXXX/XXXX the Consumer Finance Protection Bureau responds back by stating " the company never responded back so they 're going to post my complaint and look into further investigations made about this company ''. Well after reviewing the documents that Greater Suburban Acceptance Corp provided to the Consumer Financial Protection Bureau. I noticed that I was n't ever presented with a 21-day redemption notice. In the state of Illinois you must provide a notice redemption notice. " No collateral - the lender may only repossess a car if it is listed as collateral for the loan. ... Insufficient notice of redemption - Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. '' Please find that this company has also listed this account as a bankruptcy account on XXXX and has listed the same item as being a closed bad debt of XXXX on XXXX. Acct number is XXXX also on XXXX it states that the account is open on XX/XX/XXXX and XXXX is stating that it was opened on XX/XX/XXXX also XXXX bureau is stating that it 's an auto loan but the other is stating an installment loan do n't know is that makes a difference or not. Just pointing out the inconsistency with this company. Please note that the last time you guys closed the case with this company because they failed to respond back to this government agency site, however they never seem to respond to you guys or myself but they make sure to respond to the credit bureaus all the time. Please find that I 've enclosed all information that validates my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Convergent Outsourcing, Inc. contacted me via mail, in reference to a XXXX account that was already Paid and settled back in XXXX of 2015 With XXXX. ( Copies attached ) In the point of me addressing this, I faxed them a copy of the receipt FROM XXXX. I followed up days later to confirm that Convergent had received the faxed information. and they would n't confirm. Overall, this is an unfair practice, buying and reselling debt acct, that is being dealt out by companies and corporations that negatively affect consumers and in turn can/will possibly end up on one 's credit report as well as a possible judgment against persons. and on and on. Is n't this fraudulent on some level?

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our home mortgage has been underwater since 2008. We 've tried refinancing to be turned down due to not having a special hardship. We 've struggled over the years but this year due to a $ XXXX monthly increase is the hardest. Our home appraised at XXXX according to Wells Fargo. Our mortgage is {$250000.00}. We just want a more reasonable monthly payment but have been turned down several times. Does not matter to the institutions if it 's underwater or not. My husband is XXXX yrs away from retirement. I am on ssn now. We do not want to move at this late in our lives plus we ca n't afford a down payment or qualify for a new loan. Could you help us or guide us to who could. Thank you. XXXX & XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance in saving my home on XXXX XXXX, 2015 by submitting a complete financial package to my servicer Nationstar. On XXXX XXXX, 2015 I was advised I was denied for a loan modification on XXXX XXXX, 2015. I have been trying to get a copy of my denial letter and NPV chart so my attorney can appeal the denial however Nationstar is evading giving me the information. They are stalling and making me request these items in writing and soon my ability to appeal my denial will be over because they have stalled now XXXX days and I only have XXXX days to appeal. I have been told this is a common tactic used by Nationstar to stall after denial in order to evade an appeal. They finally sent my attorney the denial letter by fax on XXXX XXXX, 2015. But they purposely left out the NPV chart and said I have to request that in writing. Another stall tactic to burn more time with the goal of pushing me past the XXXX days period to appeal. I am now waiting XXXX days and still no NPV chart. Attached I have included my written requests required by Nationstar just to get a copy of my denial. I know there was an error in my last review. The reason they are telling me I was denied was due to " Negative disposable Income ''. I know this is not true. There is some sort of mistake with the information they have and the only way I can find out what information is wrong is if they give me my denial letter NPV chart in a timely manner. Please stop Nationstar from this practice of stalling and avoiding issuing a denial letter and NPV chart. It does n't seem right that they are now requiring people to request the NPV in writing and only issuing it to them after the time period to appeal has expired or almost about to expire. I am running out of time and Nationstar is purposely stalling so I can not appeal. This is wrong and I am sure they are doing this to many people.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I purchased my XXXX XXXX XX/XX/XXXX, 2013, at the time of the purchase Ally Financial Inc. and Ally Bank ( Ally ) was the bank who offered me the fraudulent loan on my vehicle. As an XXXX XXXX female borrower, I believe there was predatory lending involved in my loan and I paid a higher interest rate and continue to pay unusually higher fees for my auto loan because of Allys discriminatory pricing system. <P/>Though at the time it did not all come together over the life-time of my loan I have bean to see that was charged and interest rate that was significantly higher and the loan continues to report inaccurately regarding late payments. When I make my on-time payments to Ally they tack on this exorbitant fees that they classify as late fees. But the payments are not late. I continue to be overcharged because of of my race and gender and am a victim to a very sick system that continues to violate the rights of people of color and women across the country. <P/>When I financed the purchase of my XXXX from the auto dealership, the dealer facilitated indirect financing through Ally. Ally set a risk-based interest rate, or buy rate, and then allowed XXXX to charge me a higher interest rate when they finalized the deal with me. This rate was solely based on my race and gender. The ECOA prohibits creditors from discriminating against loan applicants in credit transactions on the basis of characteristics such as race and national origin. <P/>Allys discriminatory pricing and compensation structure has caused me severe damage on my credit report. I have paid for the car almost two times over at this point and still owe {$13000.00} after 4 years of consistent payments. <P/>I have attempted several times to clear this up with Ally and to get the erroneous errors on my credit removed and the loan updated or removed and they continue to attest that I am wrong. Ally you are thief and a predator. You pray on women and minorities and this can not go unpunished. I am writing to have all derogatory items removed from my credit report and the fraudulent auto loan be paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (OH).
Issue: Managing the loan or lease

Complaint: I paid off the loan in XXXX 2016, loan was report on my credit bureaus as closed with a balance. I contacted the company directly and was told that is how they report the 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 09-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had previously filed a complaint against CitiBank for my best buy card to dispute the late payments being reported. I had mentioned to them that there were late payments on my credit report that I did not agree with but they sent me the attached letter and verified it as well as the credit bureaus verified the late payments. 

But what I found after doing my research is the CitiBank violated the Fair Credit Reporting Act by verified data that they said is correct but reported something totally different to the credit bureaus. They said I was 30 days past due as of XXXX XXXX but the credit report clearly shows me being 30 days past due as of XXXX XXXX. Therefore, I have reason to believe that no real investigation was done and this was just a templated response.

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 07-02-2015 about Bank account or service (Checking account) with NETSPEND CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: Someone hijacked my VA Pension check by ordering another card in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from XXXX XXXX. I opted out from reporting. This information. Should to be verified once disputed.

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 05/16/2016 about Bank account or service (Other bank product/service) with First Data Corporation (SC).
Issue: Using a debit or ATM card

Complaint: I called the company advised them of an unauthorized transaction and was told to fax a paper stating why. I advised the company I did not authorize the company to draft my account. The company denied my claim stating the company has drafted my account once before. I called the company and told them I made a one time payment and that I did not authorize any other transactions. The company advise me that if I paid a company one time they had permission to draft my account any other time after that. I asked if I went to XXXX and swiped my card and 4 months later they charged me again would that also be authorized the representative advised me yes. I am in disbelief that I am going through so much to get my money back from an illegal transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Credit card () with Army and Air Force Exchange Service (AP).
Issue: Sale of account

Complaint: I was trying to make payment arrangements with my credit card company because I received a letter in the mail dated XXXX XXXX ( See attached ). I had until XXXX XXXX, 2015 to get in contact with them before they sent me to collections and would charge me an addition XXXX % on top of what I owe. I spoke to someone at AAFES on XXXX XXXX, 2015 about the unmanageable {$470.00} a month payment requested in the original letter. She and I made the payment arrangements of {$210.00} each month for 36 months. After all was said and done I agreed to put it in writing and fax in which I did on XXXX XXXX, 2015. 
The payment arrangements were to start on XXXX XXXX, 2015. When I called them on the XXXX, they had no record of the phone conversation or my fax. They had note that I called in on XXXX XXXX, 2015 to talk about the debt, but then no record of the lengthy phone conversation afterwards. I asked for them to listen to the recording for proof of the conversation. The customer service agent said she did not have access, only her manager. I asked for a manager, but the manager was not in after a ten minute hold. 
I talked with the debt collection company and they were not helpful. When I talked to AAFES they told me to pay them, and not the debt collection company. I can not control if an AAFES employee enters my data in the computer system or not and should not be penalized for her not updating the database with my new payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: As of today, I have wanting to know the status. I called Bank of America. They are telling me they have to generate a decline letter on m y last MOD. I sent in all the RMA and new stu bs as requested. They are saying they do n't have them. I am working with them sending everything in. I feel that they dropped 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 03/16/2017 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Stearns Lending over paid our 2016 taxes by over {$10000.00}. They then increased our monthly payments {$1500.00} a month and continue to overpay our taxes. This is causing hardship for our family. I have been calling them for three months and ca n't get this resolved. We do n't know what to do as no one seems to be able to resolve the issue. Our only option would be to refinance - in this market we would get unfavorable rates. It 's unbelievable to us that this can happen!

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Medical debt) with P.S.C., Inc (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: ( IMPROPER CREDIT REPORING ) To whom it may concern Im filing a formal complaint towards Puget Sound Collections aka PSC regarding their collection practices, bullying methods and unfair consumer credit reporting. Upon pulling my credit I discovered at least XXXX negative medical debt ( s ) that do not belong to me nor are the said individuals on my medical coverage. On XXXX XXXX XXXX I called the company ( PSC ) and spoke with XXXX XXXX and later met with her on the afternoon of XXXX XXXX XXXX in an effort to resolve the matter of improper medical debt reporting. She provided me with a list of the debt which comprise of family members that are not covered on my medical. The total sum of debt - {$15000.00}. This is not my debt and I did not accrued these debts and I am requesting immediate removal from my credit. ( Resolution ) I am seeking assistance to have these claims removed immediately from my credit.

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 10/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The rental company that I am renting from has filed numerous evictions against me because I pay my rent after the XXXX of every month with a late fee. These evictions are now showing up on my credit and background report. I am still currently in the residence and have never been evicted nor have we been to court for this. My rent would always be paid by the time papers were delivered to our house This is information is definitely incorrect. I would like for it to be removed immediately

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Debt collection (I do not know) with Bull City Financial Solutions, Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent Bull City Financial Solutions dispute letters and Fraud Affidavit informing them that I was a victim of identity them. I sent them this form on XXXX XXXX, 2016. Someone use my information without my knowledge. I have disputed this claim with both XXXX and XXXX and they have stated that Bull City Financial verified that the information that they are reporting is 100 % accurate. According to the laws, if the information is not accurate then they must remove this information from my credit file. In this case, this account must be removed because it does not belong to me and I have sent Bull City proof of this. I need your assistance in getting this matter resolved because I am tired of going back and forth with Bull City and the Credit Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XXXX, I sent letter to all XXXX collection companies regarding bankruptcies I filed in XXXX and XXXX ( same bankruptcy, but had to refile because of attorney mistakes ). I explained that it had been more than 10 years and that these XXXX item should be removed from my credit report. As of the date of this complaint, both remain on my credit report. I believe that it is still affecting my credit score. Since that time, I have had a great payment history and I would like to have those items removed.

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 01-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX I am following up to my complaint ( Case # XXXX ) filed on XXXX XXXX, XXXX. We have sent numerous QWRs to Wells Fargo without a qualified response. They are refusing to comply with RESPA and provide us with qualified answers to our QWRs which we have been sending since XXXX, XXXX. Please make them respond. We believe that they have committed fraud by and through never notifying us of changes to our ARM mortgage which they allege to have inherited from Wachovia and before them XXXX XXXX. We believe that they have failed to properly credit our account and fail to notify us of changes to the Adjustable Rates.

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 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recover, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2017 i checked my credit report only to find an account in collection, i had no knowledge of this debt and proceeded to buy a XXXX bureau credit report ( {$50.00} value ) to be able to find out who to contact about this debt. The company Rent Recover reported to XXXX and XXXX that i had an unpaid debt of {$140.00} to an apartment complex called XXXX XXXX from which we rented an apartment for a year and a half, the lease ended with no problems and we gave the management our new address were they could reach us. When the lease application was submitted we included all our XXXX cell phone numbers and email addresses, I even have several emails from the management communicating with us, which leads me to my question of why they send that debt to collections ruining our credit ( my credit score dropped about XXXX points ) without even contacting us, I asked the management why they id not contact us to notify us about this issue and their answer was that they are to busy to be calling customers. This is totally unacceptable, i believe that reasonable attempts to contact the debtor should be made before ruining someones credit score. 
Note that the debt was paid in full that same day to the collector.

Company response to consumer: Untimely response
Consumer complaint received 08/29/2016 about Mortgage (Conventional fixed mortgage) with SIERRA PACIFIC MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a mortgage and they insisted my homeowners insurance was to be paid through them by impounding the monthly charge. My policy expired in XXXX 2016, they did not pay it nor inform me that this policy was not being paid. However they have been collected the funds for insurance this entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Other financial service (Credit repair) with John C. Heath, Attorney at Law, PLLC (PA).
Issue: Fraud or scam

Complaint: Since using the service it appears my credit improved then when i stopped using services i have not been able to get a school loan or car due to unknown activity as the result of their services at Lexington law firm credit services

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS.
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP

Company response to consumer: Closed with explanation