milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (SC).
Issue: Problems when you are unable to pay

Complaint: A notice of intent to repossess was sent XXXX XXXX, 2016 with date of XXXX XXXX for payment from ( XXXX Byrider- CNAC ) car was a payment behind. The car was taken in the middle of the night XXXX XXXX, 2016 before said date without notice. Owner with the next morning XXXX XXXX, 2016 concerning car, information was given as to want was need to get the car back, the owner complied with the required funds and insurance need. Same day, lender made the owner belief he would get car back, but later came and give a knew requirement after the first was met. Owner had been in dealership all day and at the end of the day told him he would not get the car. The office staff did not communicated with owner properly which cause him great emotional stress ; owner request release of personal property which included his medication and was refused he became very upset and was told to leave the property without his personal property. Day two XXXX XXXX, 2016, owner call office concerning the car telling them he has the additional funds they wanted and was told he will not get the car back, owner has paid over {$4000.00} toward the car. XXXX who is a XXXX time buyer and inexperience in dealing with loan sharks company like ( XXXX ByRider- CNAC ). A request for financial information of payments made and personal property on day two was made and no one informed the owner nor his mother that he need a written notice to get the information and his personal personal items. Owner wanted his mother to pick up personal items because he did not want to go back to the office because of want happen the day before. Personal item was not release. One of the office staff waited until the manager had left and took the paper that was given to mother and destroyed them and refuse to release anything. The customer service and the manner in which this case was handle is not exceptionable. I was told by one of the staff member that XXXX Byrider laws and regulation concerning consumer rights are different then other financial company. It is my understanding that the consumer has certain right also. The owner has missed two days of work because of no transportation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. XXXX XXXX XXXX-UNAUTHORIZED- HARD INQUIRY- X/X/17 CHASE CARD-UNAUTHORIZED- HARD INQUIRY- XXXX/XXXX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- X/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (AL).
Issue: Application, originator, mortgage broker

Complaint: We filed for a V XXXX A XXXX home loan and recived aletter from veterans united home loan of denial for the following reasons attachs XXXX and XXXX they said credit score had to be XXXX XXXX XXXX XXXX said my report was XXXX and my wifes was XXXX we bought XXXX vehicles from XXXX for the amount of XXXX dollars. these people say we have collections and derogatory public records and we do not have either. Also they are using a gov name that they should not.To my and a lot of Veterans these people are a fake none of them are for Veterans of America.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: Loan #  XXXX  Lender :  Wells Fargo Address:  XXXX   XXXX   XXXX ,  XXXX   ,  MD  XXXX .   I applied for loan modification f or over 15 times, at my count, and Wells Fargo denied them all. The last loan modification was denied on the ground that I was financially sound. I suspected it was a pretext. I called Wells Fargo and offered to make payments, since they determined that I was financially viable, and I am. They r efused to take my payment. I protested and asserted that it was not a ground for denial of loan modification.  XXXX   XXXX  whom I spoke with said that I was denied because I had equity in my home. I protested again, asserting it was  not a lawful ground to deny modification. WF said I had one option, namely, to short sale my house. WF had no intention of giving me loan modification, even though they were bailed out with taxpayer funds during the housing crisis and they used the money to buy Wachovia, which was how WF acquired my loan. WF manipulated interest rates, failed to credit my payments, canceled my low-rate insurance and forced one on me with high premium in which they were paid kicks. WF refused to acknowled ge my hardships ranging from my sons debilitating illnesses, my wifes illness, my daughters death, my  XXXX  income as a   XXXX    from  XXXX  to  XXXX , so that they would not forgive the delinquency, give me a rate down, give me principal reduction, forbearance, etc. The evidence of using equity to deny loan modification is demonstrated in the attachment.

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 01-04-2016 about Consumer Loan (Installment loan) with Amscot Corporation (FL).
Issue: Problems when you are unable to pay

Complaint: I received a cash advance. When it was due I called and asked for a 4 day extension. I was denied for the first time in 5 years. I was told by " XXXX '' that the check would be deposited in two days knowing that my check will bounce. Then she said that I 'd have a $ XXXX fee from Amscot and XXXX {$35.00} return check charge from my bank. I told her that my mortgage payment will bounce. I was never told that I could n't receive an extension, nor was I offered any other assistance. 

I called the Corporate Office and was told the same, except she said that had I called earlier I could have received assistance. I called XXXX/XXXX/15.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Army and Air Force Exchange Service (NC).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: it in XXXX 2015, 15 years later. XXXX XXXX said they did n't and they did n't have too. They have no documents and said i could n't dispute it. It was never sent to collections nothing. I do n't think i owe a debt. Then they moved {$870.00}. If they made mistakes then and now why am i fighting and losing the battle. I think i shpuld have been notified instead of them just seeing that i had a credit and decide to take money. Where is the due process here? Why did n't it go to collections? Why am I being told i ca n't dispute it? What 's the statute of limitations?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan servicing, payments, escrow account

Complaint: It started when they applied my 2nd loan payment to the wrong acct. When I called and said no, I made the payment, with added principal payment. They saw the mistake they made and applied the funds to the correct acct. Since then I have made the payment every month. Now they say I owe XXXX for " Principal Advance Fee '' from back in XXXX. 
the statements have not refeclted this balance, despite since then, ... I have made XXXX additional Principal Only Payments to this acct. Apparently ... the overage back in XXXX of XXXX that I had expected to go towards principal, they took as a Partial Payment. there for they " loaned '' me the other XXXX to make the payment complete.??? on a payment that wasnt due, or late. This loan is due to be paid off early by my small principal payments I have made all along for 7 years. Now they expect me to believe I need them to loan me money for a payment? doesnt make sense. How did it end? When I said this cant be legal, that I was going to file a report. They came back on the phone with they were going to send me the money from their corp. acct to use to pay this fee. HUH? so why would they do that? why not fix it and make it right on my acct. I told them I never authorized this, and I would never go into the bank with XXXX and make a partial payment asking them to float me a loan for the rest? doesnt make sense.

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 monetary relief
Consumer complaint received 11/21/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company is Portfolio Recovery according to google. They call from various different numbers from all over the country and never leave a message. They harass with their multiple daily calls from all over the country. They use different numbers to avoid getting caught. Please stop this harassment! They have over XXXX collection complaints on the BBB website alone for these practices. 

Last number called from XXXX, XXXX Their actual address and phone number is : ( XXXX ) XXXX Portfolio Recovery Associates, LLC 21 years in business Headquarters XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BYL Collection Services (NV).
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: Credit report form XXXX XXXX XXXX XXXX shows delinquent rental history of {$100.00}. Called agency reporting delinquent account, BYL Collection Services, found out it is a delinquent account from XXXX XXXX in the amount of {$100.00}, for which I have never received a bill. BYL says that I needed to contact XXXX XXXX. Contacted XXXX XXXX, they could not correct the error stating that it was a utility bill and not a rental history report, I needed to contact BYL. I explained that BYL said I needed to contact XXXX XXXX. Neither company was able to correct the error. Contacted each company XX/XX/, talked with XXXX at BYL and talked with XXXX at XXXX XXXX. Talked with XXXX at XXXX XXXX XXXX XXXX on same date. Nobody was willing to correct the error and kept passing me from one to the other and each saying I need to contact the other. Need this resolved to show it is a utility not a rental history of delinquency. I am not disputed the amount, I did not know about it and I am willing to pay as I stated to XXXX. She is sending me a bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Trouble during payment process

Complaint: I have been making my mortgage payment in  2  equal payments prior to my due date for the last 2 years. suddenly over the last 3 months payments have been applied improperly and I have received calls asking when payment will be made. When I looked on my account on their web site the receipt of my payment is logged but entered onto account improperly  (  according to them  ) . I am promised that the problem is being fixed and then ( I 'm on hold right now with them ) the next month I receive a call again. Very annoying and time consuming when I am making my payments on time. This time a late payment is added. I 'm told it will be removed. I have been patient long enough. Last year it was my escrow account they mishandled. Very poor processing of payments.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Nothing happened after making issue known. 

There was computer glitch with Transuion on 2 separate occasions, their problem and not mine which caused my inquires to be deleted then added the back without a written explanation to me about 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 02/21/2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Settlement process and costs

Complaint: i am behind on my mortgage and was dealing with XXXX. Filled out the loan mod package and XXXX said I was denied. asked for an appeal ... then XXXX said I was approved without filling out another packet but my loan was being transferred to rushmore. My original loan was for 15 years from 2002. Rushmore is giving me the option to pay 40 dollars less for 20 more years. Am I wrong is thinking this is not right? I had already paid 13 years on a 15 year loan and rushmore wants me to agree with a n3ew 20 year mortgage???? it does n't make sense to me

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Medical) with M. G. Credit, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested " VALIDATATION & Not Verification '' of this debt for on months ... Have yet to seen the proof as required by the Federal Law. These are not my accounts! 

There are accounts own my credit report destroying my credit report from : M.G. Credit account # XXXX account # XXXX account # XXXX account # XXXX My score was just an XXXX on XXXX and not XXXX because these accounts updated as " Late '' ; however the accounts are " Closed '' Please provide legal of lawyers to speak with about this matters as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a XXXX Credit card that was included in a discharged bankruptcy. I accidentally made a payment to that closed account through online banking. I am XXXX and sometimes have trouble with my eyes. After the money was taken from my account I spoke to the bank and found out what happened. I immediately contacted XXXX and was told that Resurgent Capital Services was had the account. I contacted them and was told that they had not received the money from XXXX yet but that I would need to fax a refund request to them. The funds came out of my account on XXXX/XXXX/15 and I faxed my request for refund on XXXX/XXXX/15. I made numerous follow-up call checking the status of the refund. I was finally told that the funds were received from XXXX and that in order to process the refund that I need to fax proof that the funds had been taken out of my bank account. I faxed a copy of my bank statement showing the debit on XXXX/XXXX/15. I called back a few days later and was told that it had to be sent to a supervisor to process. I continued to call and was told that they would email the supervisor to follow up. On XXXX/XXXX/15 I called and was told that usually any payments received are considered voluntary payments and may not be refunded. I explained that I a m XXXX and on a limited income and that this was part of a bankruptcy that was discharged and that the debt was no longer owed and that I had received my form to show the bad debt on my taxes and that I would not make payment for a debt I no longer owed! I was to that a follow up email would be sent and to call back on XXXX/XXXX/15. I called back to find out when the refund would be made and was told that the supervisor said that it would be considered a voluntary payment unless I could prove that a third party made it. I asked to speak to the supervisor and was told that she was busy helping another customer but that she would send her an email letting her know that I would like to speak to her. I was transferred to a voice mail and left a request for a return call. I have not received a call back and based on the past 2 moths experience has no confidence that I will hear from anyone at the company. 
I have been mislead the entire time and forced to disclose my personal information in an effort to recover money that XXXX nor this company is entitled to as the debt has been charged off and cancelled by the discharged bankruptcy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX hard inquiries on my credit report that were not mine. I have previously called the companies and also contacted the credit bureaus. I have had no response and the negative information is still on my report. With both false inquiries, incorrect addresses were used, too. The inquiries I am speaking of is the XXXX and XXXX inquiries. I need to have these removed as my credit is negatively impacted by these errors/identity theft usages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIFTH THIRD FINANCIAL CORPORATION (KY).
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: Misleading / omitted information about working with the mortgage co on loan modification as related to credit reporting. Just informed during modified payment trial period of 3 months mortgage co ( 5th. 3rd.  bank ) continues to report account delinquent and also holds payment and does not apply to mortgage payments for 3 months. During this time we are still considered delinquent. We were unaware of this. Under false impression, credit reporting would not be un-favorable and that we would not be penalized while working with mortgage co. Started working with mortgage before late 30 days - XX/XX/XXXX. Get different information from mitigation department case workers. This 3 month trial period ends in XX/XX/XXXX. Thought mortgage co preferred immediate communication and loss mitigation instead of repo. Told this process was favorable for us and mortgage co. Not so! Not informed of this until today XX/XX/XXXX. Not fair. They refuse to give us documentation of all communication while processing this agreement without a subpoena Thus protecting themselves from mis -guidance or lack of information during this process on their part.

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. (MN).
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: My XXXX account was open in XX/XX/XXXX. In XX/XX/XXXX, I contacted them and advised I lost my card. They closed the tradeline as a lost or stolen card, issued me a new card with a new account a created a new tradeline. This caused my " pay status '' on my current tradeline to begin reporting the pay status with Equifax as " lost or stolen card ''. Up to this point, there had been no late payments on the account. The account later when delinquent in the fall of XX/XX/XXXX, this account was referred to XXXX XXXX XXXX ( XXXX ) for collection and a settlement was reached in XX/XX/XXXX with them. The tradeline that the delinquent reporting occurred on was deleted from my reports in XX/XX/XXXX or XX/XX/XXXX because the statue of limitations was from the charge off date the occurred in early XX/XX/XXXX. 

As stated previously, my concern is with the tradeline that is reporting as current -- After submitted 3 indirect disputes with the CRA 's directly and being given the same response that the information was correct, I contact XXXX today XX/XX/XXXX and was transferred to XXXX. I spoke with 2 repsentatives that advised that since my account was referred to collections longer after this tradeline was closed, I will need to call XXXX to dispute the reporting on my XXXX tradeline that is not reporting as derogatory, it is reporting as unrated currently on Equifax and XXXX now. 

I have called XXXX before, the can not help me as they did not make the reporting. The CRA 's can not help me as they can only report the information that XXXX is providing them. XXXX is refusing to help me get this corrected from today 's conversation with the representative XXXX as it is against their policy since the account was later placed for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Despite having my PMI insurance removed by bringing my LTV below 80 % of the purchase price and receiving a later stating it has been removed, I have been charged PMI subsequently. On XX/XX/XXXX I went to the branch on XXXX in XXXX and gave a manager, XXXX (? ) a check for {$4200.00} to be applied to the principal. Despite explaining that it was for principal ( I had made my payment that month already ) and writing on the check " for principal '', the bank only applied {$2400.00} towards principal and the remaining {$1700.00} towards the mortgage. I only found this out after I was rejected to have the PMI removed because the principal amount was n't at the required threshold. After numerous back and forth with XXXX in Escrow the payment was eventually reversed and applied toward principal. I had to re-submit my request for the PMI to be dropped and I had both verbal communication from XXXX and written that " your PMI has been cancelled '' and you are no longer responsible for any further PMI premiums. 
I thought this matter was settled until I looked at my account summary online and saw that escrow disbursed {$180.00} on XX/XX/2017 and XX/XX/2017 {$370.00} both with an effective date of XX/XX/2017.

Company response to consumer: Closed with monetary relief