milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The week of XXXX/XXXX/2017, I received a phone call from XXXX XXXX at XXXX telling me that I owed XXXX XXXX XXXX ( XXXX ) {$2700.00}. XXXX XXXX case number is XXXX. Her phone number was XXXX, fax number was XXXX, email address was XXXX. When I asked for proof of the debt, she would not verify the details or the debt and said that she was asked by XXXX to collect the debt. I had a previous auto lease with XXXX, and I currently have a new auto lease with XXXX. XXXX accounts in good standing. I am deeply concerned about the tactics used by XXXX and XXXX to try to collect debts that I do not owe. I have perfect payment history on all my loans. I have never had any delinquencies or collections. I have asked for proof of my debt, and provided XXXX  proof of my payments to XXXX. But XXXX has failed to respond to my request of proof of debt.
The lack of proof from XXXX and XXXX  makes this attempted collection really suspicious. Please help me resolve this matter.
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax is not allowing me access to my once a year free credit score that W. George Bush passed a law in 2008 stating that we are allowed one free credit report and score each year by law. Equifax nor XXXX, nor XXXX are allowing this to occur. I guess paying XXXX XXXX dollars in fines has not even phased them whatsoever. Why is it the that nobody is doing anything about this behavior. Why do they continuously get away with ripping off the American people that built this country and free Democracy. Enough is enough with this behavior. Somebody needs to stand up and actually do something about it once and for all. I 'm getting tired of people turning their backs on the American people do the right thing and make a change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2017 about Credit card () with Alliance Data Card Services (OH).
Issue: APR or interest rate

Complaint: I ordered an item from XXXX that was never delivered. I lodged a complaint with the website, and then followed the entire dispute process in order to have it corrected. I signed an affidavit from XXXX acknowledging that I never received the item, and followed up with the company multiple times, until the process was complete. In the meantime, XXXX advised me not to pay on the account, and that it would be frozen for the length of the investigation. My account fell past due, and racked up late fees and finance charges. After the investigation was complete, I was told by both XXXX and Comenity Bank ( lender ) that all charges would be removed, and the reporting would be corrected with the credit bureau. The charges were removed including all late and finance charges, and I thought the situation had been resolved. My wife and I are in the process of buying a home, and I have just recently found out that there is significant delinquency reported on my credit report. I have a perfect report, with the exception of " serious delinquency '' as a result of my account with Comenity Bank. My loan officer advised me that she needs a letter from Comenity in order to escalate and re-score my credit through the respective credit bureaus, however each of my attempts to contact Comenity have resulted in them directing me to the credit bureau dispute process. My wife and I have sold our home, and need to close on the one that we are under contract with - I explained this to Comenity, and that I do not have time to follow the lengthy dispute process. In addition, this is not my problem to solve - it was supposed to have been corrected back in XX/XX/2015. Further, an open credit bureau dispute could potentially cause our loan to not be underwritten. We can get a loan with my current score, but the interest rate is reflective of my inaccurate report, and significantly higher than it should be. We are out of options, and so I am asking for help from the CFPB. All I need from Comenity is written acknowledgement that my account was never past due - that any delinquency was as a result of the investigation into the item that was never delivered to my residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: Please note I am a victim of identity theft. I sent this company my dispute on XX/XX/XXXX attached with all relevant documents for their verification but to my surprise, nothing was deleted with respect to what I had disputed. All disputed items are still reporting on my credit report. I hereby notify of my intent to sue but would gladly avoid the legal battle if this company deletes/correct the following erroneous data : XXXX XXXX ref # XXXX I have never been late on this account, Delete the late payment history immediately XXXX XXXX XXXX Ref # XXXX I have never been late, the XX/XX/XXXX history Is very erroneous, please delete right away XXXX XXXX Ref # XXXX This is not my account, opened fraudulently Please delete thank you XXXX XXXX XXXX Ref # XXXX My payment history for this account was flawless For the year XX/XX/XXXX and XX/XX/XXXX. How can I be late?

Back to back on XX/XX/XXXX-XX/XX/XXXX, please delete XXXX XXXX XXXX ref # XXXX Paid satisfactorily for the year XX/XX/XXXX, XX/XX/XXXX late Payments inaccurate, please delete this history XXXX ref # XXXX I have had an outstanding record with these account The late payment on XX/XX/XXXX very incorrect, delete it XXXX XXXX XXXX Ref # XXXX I dont owe this people anything, please Delete right now from my credit report TAX LIEN Ref # XXXX this lien was withdrawn last month, there is no record of it in the courts, please delete

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 05-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Loan payment wasn't credited to your account

Complaint: This is my second time using cash central. When I paid off the first time they needed me to call them and have a  three  way conference with my bank to prove I paid. This time I called and emailed my verification 3 times and they will not approve my payment even after it was taken out of my account. I am not sure why they can not find out if I paid on there end. I think it is shady that they need to go through this strange process.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (WA).
Issue: Managing the loan or lease

Complaint: i went on a 7 month deployment XX/XX/2016 my car was left in the care of someone while my wife left the state they left it in a parking garage and someone stole the wheels from the car. i reported the car stolen in XX/XX/XXXX or XX/XX/XXXX because it was not parked where it was said it was parked. they found the car in XX/XX/XXXX it was stored in the insurance lot from XX/XX/XXXX until XX/XX/XXXX when it was placed in the lot all that was said was wrong was the wheels had been stolen. my wife had contacted XXXX and they stated it was just the wheels we paid {$400.00} dollars to get the car towed to a collision center. while at the collision center they told us that the car was totaled they would not work on the car due to the interior was ruined with mold all over the interior including all electronics. we tried to get XXXX to send another adjuster to look at the car and they refused to send someone out to look at the car. XXXX only gave us money for the wheels and closed the claim. the car was sitting in the collision center for 3 months before everything was said and done with the insurance claim with a storage fee of {$95.00} a day. i had no option but to have navy federal reposes the car because i could not afford to repair the car myself and get it out of storage. the car has since been repossessed and sold. i had to get another car loan through a car agency. and tried to refinance the car i no longer had to lower the payments so i did n't have to make 2 car payments of {$400.00} a piece for a car that i no longer have. i was denied the refinance of the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Medical) with Collection Management Company (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This issue involved a disputed amount to be paid to XXXX XXXX in XXXX. There should have been no payment due on my part but I lost that battle with my insurance company 4 years ago. I contacted Credit Management company in writing on XXXX/XXXX/XXXX offering to settle this debt for {$120.00}, which I consider very fair, but have yet to hear back from them. I would like to get this issue resolved but lack of communication from them makes resolution impossible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Mortgage (FHA mortgage) with PNC Bank N.A. (NH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have a New servicer " PNC Mortgage '' recently servicing my loan. I read a Law that says " an automatic cancellation of PMI '' would be triggered if my mortgage pricipal balance drops to 78 % of my original principal balance. Currently my principal balance dropped to 76 % below 78 % required to automatically cancelled my PMI. I called PNC mortgageXXXX and they are asking me to reappraise the property again even though since I bought the property 2 years ago ( XX/XX/XXXX ) real estate prices went steadily up in the 3 % range in the XXXX XXXX AREA and PNC mortgage wants me to reappraise the property and wants me to pay them {$XXXX} check up front and it is their appraisal who would appraise the property and I do not have a choice. 
For my mortgage INFO : Original appraised value at the time of closing ( XX/XX/XXXX ) :XXXX Money I have put down:5 % Mortgage principal balance at the time of closing:XXXX Current Mortgage balance as of ( XX/XX/XXXX ) :XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Bankruptcy

Complaint: acct included under XXXX bakruptcy and was closed on XXXX/XXXX/09 and still showing under my XXXX credits bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Medical debt) with The Phoenix Recovery Group (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Phoenix Recovery Group was sold some debt that they claim is from a medical provider. Once Phoenix co ntacted me about the debt, I asked for verification I have the debt from them. I never received it. I contacted then again over 30 days later, and at that point the y sent one illegi ble piece of paper. When I complained, they said that Texas did not require them to provide proof of service.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Payoff process

Complaint: In 2009 we had lost our business and were with out jobs we had XXXX large cc bill with chase bank at that time they would settle for short money but we did not have any money for over 2 yrs we have pd the {$480.00} a month we recently called to see if we could settle and finally get this behind us we were told that the only settlement we could get would put a negative mark on our credit which we have worked hard to get it to a moderate XXXX when the credit cards were active they charged us 28 % interest rate we feel they have gotten there money over and over know they see we can pay and they do not want to work with us to settle for a lesser amount they had told us when we signed up they want to work with us but i see refusing to give us an appropriate pay off figure with the threat of harming our credit after it took us several years to get where we are to today is unethical

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with ERC (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are trying to collect a debt from someone I do n't know. They just keep calling and calling. After several months you would think they would stop calling my number, but nope.

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 08/20/2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: On three consecutive business days ( XXXX XXXX,XXXX, and XXXX ), XXXX XXXX of Fay Servicing or his representative showed up physically at my property at XXXX XXXX XXXX, XXXX, GA XXXX and taped the identical letter, dated XXXX XXXX, XXXX, on my door on each of those consecutive nights. The letter requested that I call him directly at ( XXXX ) XXXX in order to " verify my current information and to discuss how [ we ] can work together to improve [ my ] mortgage situation. '' I called him at this number on XX/XX/XXXX at XXXX XXXX and my phone call went to his voicemail. I left a message reassuring him that I had received his letter, requesting that he not post it on my door anymore, and that I was calling him as he had requested. I asked him to call me back that evening or the next day ( XX/XX/XXXX ) between the hours of XXXX XXXX and XXXX XXXX, when I would be available to take his phone call. As of XX/XX/XXXX and I had not yet received a phone call back from him, so on that date I emailed him at the email address he provided asking that he reply to my email with specific instructions as to how to submit my Loss Mitigation Application. It is now XX/XX/XXXX and I still have not received a return phone call or email reply from him or Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian is taking too long to respond. My husband and I requested an investigation of some of our credit accounts back XX/XX/XXXX. To date, we have not received any response from Experian. We do n't know why its taking so long.

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 10-07-2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Select Portfolio Servicing , inc, employee XXXX XXXX has threatened to seize Property at XXXX XXXX XXXX, XXXX, PA XXXX without cause. This company has also failed to validate any debt owed on the property. I XXXX XXXX, President of XXXX XXXX settled Debt and Civil claim of the Property with the original servicer XXXX, terms settled under the Mines and Minerals Act.

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 02-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX and Greentree and Ditech are all adding fraudulent charges to my account just to try to take more money from me that they are not owed. I wrote a check to them for my full mortgage payment every single month since the inception of this loan, for full principal and interest payment and they cashed my checks and did not credit the amounts to my account. I called and wrote and tried forever to resolve it with them. then they started collecting my checks and holding them and not cashing them. by miscrediting my payments and then later not cashing the checks at all, their scheme was to then start charging me all sorts of fees and accusing me of being late and not paying. they called many times and spoke rudely and calling me names and threatening me with foreclosure and would not acknowledge the reality of the situation which is that they received and cashed my checks. then they began returning my checks to me after holding them for months. they continue to threaten me with foreclosure. I tried to talk to their attorney who also seems to be in on the scheme and told me and my attorney that I should stop sending checks because if I dont send a huge amount with the thousands they allege are overdue they wont accept the checks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (CO).
Issue: Managing the loan or lease

Complaint: I called Chase Auto Finance on XXXX XXXX, 2016 to get the payoff amount and to begin the process of purchasing my XXXX. The lease ended on XXXX XXXX, 2016. I was told that I needed to call back in 48 hours to get the final payment amount. I called back and was told the Lease End Vehicle Remarketing Department had not sent the payoff amount to the Lease Department. On XXXX XXXX, I called again and the Lease Department requested the payoff amount to be sent to them. The payoff amount I was quoted included a fee because I had requested the payoff after the end of the lease. This was not true as I had initially requested the payoff amount on XXXX XXXX. After working with a supervisor, they reduced the payoff amount so that I did not have to pay the late fee. On XXXX XXXX, the automatic monthly lease payment was taken out of my bank account. This was after I had requested the end of lease purchasing agreement and submitted the payoff amount. I called Chase Auto Finance and was given two different reasons as to why the monthly payment was taken out. First I was told that I needed to access my online lease account and cancel the monthly lease payments. I am concerned that Chase Auto Finance continued to take payments out of my bank account after the end of the lease. During a phone conversation with a supervisor on XXXX XXXX, I was told it is the responsibility of the consumer to cancel those payments on their end. I was never told that I needed to cancel the payments and can not find anything in the lease agreement directing me to do this. Next I was told that the Lease Department had not yet released the title to my car because the check I submitted to purchase the car was short. The check I sent Chase Auto Fiance was the amount that I was quoted by their Leasing Department and is documented in a letter e-mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: equifax is reporting name change and I contacted company and they say contact my creditor to see who issued name change. I did talk with my XXXX creditors and they know nothing of name change. 
Then I communicated with equifax again and their response : " Recently you requested personal assistance from our on-line support center. Below is a summary of your request and our response. 
If this issue is not resolved to your satisfaction, you may reopen it within the next 7 days by simply replying to this email. 
Thank you for allowing us to be of service to you? 
Subject Name Change??? 
Discussion Thread Response Via Email ( Equifax Customer Care ) XXXX/XXXX/2016 XXXX Dear XXXX XXXX, We appreciate the opportunity to resolve this matter on your behalf. 
I sincerely apologize for any inconvenience you have experienced. 
For more information on this name change, we recommend that you contact each of your creditors and confirm that your name is correct in their records. Updating your personal information with your creditors will help to make sure that information reported to Equifax by your creditor is correct. This would also make sure that this information was not changed fraudulently. 
You may also contact our Consumer Services Department at : XXXX. They correct and update any incorrect or fraudulent information on your Equifax Credit Report. You will be able to speak with one of our representatives Monday through Friday from XXXX to XXXX in your time zone. 
If you have any additional questions or concerns, you may contact our Customer Care Department at the telephone number listed below. 
Thank you for contacting Equifax , Equifax Personal Solutions - XXXX Equifax Personal Information Solutions Equifax Complete Premier Plan XXXX ( XXXX ) 24 Hours a Day, 7 Days a week Answers to your financial questions. All in one place. Check it out today. 
Equifax Personal Finance Blog : www.equifax.com/blog [ XXXX ] " Equifax refuses to disclose who submitted a name change.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (I do not know) with Midwest Recovery Systems (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In  XXXX    XXXX   a collection of  XXXX  was added to my credit reports. Company never notified me through mail, phone or email. Debt just appeared on my credit reports. After filing a complaint midwest recovery systems removed collection. However the debt is now back on my report.  XXXX  reporting as open. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since XXXX XXXX, I 've received XXXX phone calls from a debt collector named XXXX XXXX. Additionally, they are harassing my wife asking for me. They are looking for someone with the same name as me, but the address and social security number associated with the debt are different from mine. It is also for an XXXX XXXX XXXX service I 've never had, so it is clearly not my debt and I 've informed them of that. When I tell them this information they immediately hang up the phone, but then I get additional phone calls afterwards.

Company response to consumer: Closed with non-monetary relief