milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: I attempted to take advantage of the below payment plan offered by Paypal Credit, however, the rep I spoke with previously by the name of XXXX insisted on a monthly payment of XXXX for six months which I can not afford. If I could afford such a high payment then the account would not be past due and over limit, which is obvious. Why Paypal still offers a plan with a high payment, I have no idea. I think the settlement offer is reasonable, considering there is fraudulent charges from an Ashford.com which run into the thousands. However, Payal Credit now insists on a payment amount of XXXX for six months. Paypal did offer two other payment plans, however, they do not offer any settlement which is reasonable as there is fraud on the account as stated before. I 've called in to Paypal Collection dept and reps like to lie stating there is a cease and desist order on the account when there is not, this is so they do not have to discuss the account prior to closing at XXXX EST. They will also breath into the phone, then hang up if it is a few minutes before closing. Please advise Paypal I will accept settlement plan below due to fraud charges, however, I can not afford XXXX a month. I can afford XXXX. 

Settlement : Settlement offer of {$2800.00}, which is XXXX % of your current balance of {$5700.00}. If accepted, your account will be considered settled for less than the full balance due after you send a payment for the full amount of {$2800.00} on or before XX/XX/2016. Alternatively, you may make six installment payments totaling {$2800.00}, the first of which must be no less than {$110.00} and must post to your account on or before XX/XX/2016, and the five remaining payments, totaling {$2700.00}, approximately {$550.00} per month, must post to your account on or before day 20 of the following five months, respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Struggling to pay mortgage

Complaint: I refinanced my mortgage with XXXX XXXX XXXX. XXXX 2016.. I was provided an estimate of monthly pay of {$1200.00} at the final closing I was provided that my new monthly payment would be {$1000.00}, for a year I have paid {$1000.00} and paid it on time. XXXX XXXX I received an escrow analysis stating that I had a shortage of {$3200.00}. Also stating that if I do not pay it by XXXX XXXX my monthly payment would go up to {$1500.00}. The actual payment should have been provided to me at closing of {$1300.00} It was discovered that the mortgage company quoted me incorrect figures and neglected to include my taxes of which I was not aware. I agreed to refinance based on fraudulent in accurate information. If the correct figures had been presented it would have shown that I would have only be saving {$28.00} a month versus what appeared t be around {$300.00} a month savings. it would not have been in my best interest to do so at that time. I have contacted the mortgage co by phone, and also had my attorney contact them by letter. The company has not responded as of this date and the action they have taken is to put my XXXX XXXX payment into unapplied funds account. The company is insisting that I pay for the error that they made ( The shortage ), and threatening to apply late fees to my account and report it as delinquent to to credit bureaus where permitted under law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: XXXX XXXX XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility. 
I would like both debts removed from all 3 agencies report.

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 10/25/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am repaying my student loan back accordingly to XXXX/Nelnet, however it shows as XXXX derogatory marks on my credit summary.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have contacted Ally on XX/XX/XXXX via their XXXX contact number listed on the monthly account summary to request why these summaries do not include year to date paid in principal and interest, not just the monthly amount - and was told that was their standard practice. I explained that I paid in excess of the required payment and was concerned the excess was not going to principal as the finance charges appear to increase month to month. 
I was transferred to a manager after requesting so since the response received about how interest is applied ; the agent for ally said its computed daily, and my agreement was for an annual interest rate - daily interest is not detailed in the summary or in the document I signed for the loan. I request statements be sent to me showing me the monthly principal and interest ( finance charge ) and the effect it was having on my outstanding balance - I requested those statements be sent immediately. The manager said they would call back and confirm the statements were on its way the following day.
On XX/XX/XXXX I contacted Ally via their XXXX contact number to explain I did not receive a call back, and needed confirmation the statements were being mailed to me. The agent said I should expect to receive the statements in 3 - 5 business days. 
Its XX/XX/XXXX and I have not received the statements. 
The truth in lending statement does not fairly disclose the types of finance charges, and interest and payment activity that if made on time, would lead to final interest and finance charges over the period of the loan - its less than I am actually paying ; the monthly summary does not provide month over month accounting of payments made and the impact to principal.

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 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Back in XXXX I disputed a debt from XXXX XXXX on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call XXXX funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had XXXX of the credit bureau 's call XXXX way with me on the phone on a recorded line that XXXX should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again XXXX told me it was the credit bureau and specifically referenced Equifax. I called and spoke to XXXX at Equifax who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per Equifax they have once again removed the dispute and I have once again put it in writing for XXXX XXXX that this account is NOT disputed. We went through a tragic circumstance with my son who is now on XXXX and this continued stress inflicted by this company should be dealt with. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Equifax and XXXX have been notified that an old Georgia tax lein, file in XXXX XXXX Georgia, has not only been paid in full, but is also released, but is also past the statute of reporting on the CRB. However, these two companies are damaging my efforts to move on, they are making me die inside, they are holding this item on my credit report and refusing to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (IL).
Issue: Managing the loan or lease

Complaint: I returned a leased vehicle to  XXXX  on  X/XX/XX , before the lease through   XXXX   XXXX   XXXX    matured on  X/X/XX . Dealer reviewed vehicle and did not see any damage, however said a third party reviewed all vehicles upon return and would do so in the next week.   On  X/XX/XX  a check was issued and mailed to my correct address from   XXXX   XXXX   XXXX   for {$530.00} in over payment after satisfactory completion of the lease and return of the vehicle.   I did not receive any further correspondence in regards to the lease from either   XXXX   XXXX   XXXX    or  Toyota Motor Credit Corp  for all of   XXXX  . On  X/XX/XXXX , I received a letter in the mail ( dated  X/XX/XX  ) from   XXXX   XXXX   XXXX   XXXX    ( a debt collector ) w hich said I owe {$1500.00} to  Toyota Motor Credit Corp and said " your leased vehicle was returned and your account balance may consist of one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and   above the allowed by your lease agreement ''.   I contacted both   XXXX   XXXX   XXXX   and  XXXX   XXXX   XXXX  and inquired about the letter and also why I was receiving notification of any supposed issues 13 months after the vehicle was returned with no communication in the interim other than the refund check I received from   XXXX   XXXX   XXXX   for satisfactory completion of the lease. A   XXXX   XXXX   XXXX   representative said additional correspondence was mailed - however they notice it was mailed to another address in a different state. The representative also said now that the matter was with a debt collector they will not provide that correspondence and I must work with the debt collector.   I contacted  XXXX   XXXX   XXXX  and their representative was just extremely rude, said they just received the file, do not have any of the correspondence, but the debt is mine and demanded payment and that I tell them how I will pay.   Very frustrated with both organizations. I was issued a refund check, received no correspondence for over a year, and now am being told I owe {$1500.00}. I also know for a fact there was nothing wrong with the vehicle when I returned it and the milage was well below the amount allowed under the lease terms.

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 Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On this account I made my request for validation, which I have not received response by the corresponding processes, if the agency does not have the necessary documents to prove I m obligation on it shod be removed from my credit reports under FDCPA 15 USC 1692g Sec. 809 ( b ) can not keep unverifiable data in credit bureaus, also they violate the FCRA Law passed 1970 I request 1- What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3- Provide me copies of any papers that show agreed to pay what you say I owe 4- Provide verification or copy of any judgment if applicable 5- Identify the original creditor 6- Prove me the statute of limitation has not expired on this account 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We are currently in an active Chapter XXXX Bankruptcy and decided to surrender the house. In XXXX, 2015, the house was in foreclosure with an auction date set and we applied for a modification against the advice of our attorney and at the recommendation of Nationstar. It was approved for more than what the house is worth and for a 40 year term. We decided to accept the offer anyway. We made our XXXX trial payments and submitted the documentation sent to us. It was returned to us because my husband failed to sign using his middle initial. We sent the new paperwork, which was received by Nationstar on XXXX XXXX. However, they lost our paperwork. I have been in constant communication with my loan officer, XXXX XXXX via email and phone to get this matter straightened out. All the while, Nationstar would not accept a mortgage payment " until the account is updated which ca n't be done until they receive the paperwork ''. The online account statement also states erroneous amounts paid and due. 
I keep getting a runaround ( we 're tracking the paperwork, not able to find paperwork, getting supervisor involved, still ca n't find paperwork, again getting supervisor involved, will call with update and no phone calls ). I have since received a copy of the original paperwork. At this point, we want the mortgage due date to begin in XXXX since we 've been waiting to pay our mortgage. We want a fresh start. Nationstar is unwilling to help us solve this matter. After giving us a runaround for three months and not accepting our payments, they now want the due date to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015, I received an original notice from XXXX XXXX XXXX ( XXXX ) that it was seeking to collect a debt on behalf of XXXX ( XXXX ). XXXX alleges the original creditor was XXXX XXXX ( XXXX ). The amount sought by XXXX was {$13000.00}, and the XXXX account number was XXXX ( see attached ). 

In response I sent a certified letter to XXXX advising that I do not recall owing such a debt, there was no validation of debt received, furthermore, any statute of limitations, if owed, would have expired ( see attachment for further explanation ). 

XXXX did respond advising that it would not seek further recovery and returned the matter to XXXX. I thought that was the end of an alleged debt where no supporting information was received, or where it had been proven that the statute of limitations had not expired. 

Now, not even a month later, I received another demand for payment, of the same alleged debt, from DYNAMIC RECOVERY SOLUTIONS ( DYNAMIC ). DYNAMIC alleges its client is XXXX, and it is seeking {$13000.00} under account XXXX. It is also alleged that XXXX is the original creditor. I allege I do not owe a debt to XXXX, and that XXXX and DYNAMIC have no right to seek collection from me. If at any point I did have a XXXX credit card it would have been approximately 10 years ago, while living in California, which means any statute of limitations is long expired. I have not had a credit card, with any sort of large spending limit in years. Furthermore, DYNAMIC chose not to send any sort of information backing its position including when the alleged debt was incurred with XXXX or XXXX, there was no validation of debt. 

It appears XXXX, XXXX, and DYNAMIC are basically conspiring to collect an alleged old debt, that I believe is not owed. It appears XXXX and DYNAMIC are " Zombie Debt Collectors ''. As indicated above, this can be confirmed by the fact another company, XXXX, just tried to collect the same just months ago. Finally, I believe Dynamic is attempting to harass me as I had reported DYNAMIC to the CFPB previously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have written to all XXXX credit report agencies and to XXXX XXXX over 90 days ago regarding a credit card issued by them that is currently been reported on my credit report. I am still waiting to get a respond from them. I need this to be removed from my report because of the negative impact it is having on my report. In my letter to XXXX I asked them to provide me with a proof that I open this account. I have not receive a respond from them. I need this item to be removed from my report.

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 09/13/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have had several issues with this account. It is a store credit card for Victoria 's Secret. I spoke to their customer service team numerous times about an unrelated issue that ended with me requesting my account be closed in XXXX XXXX. I had one final balance due on the card which I paid for on XXXX XXXX, XXXX for {$60.00}. I then got a bill in XXXX which said I owed a late fee of {$28.00}. I was XXXX, but I paid that as well on XXXX/XXXX/XXXX. I was then charged XXXX for Account XXXX, as well as {$1.00} minimum charge on XXXX/XXXX/XXXX. I disputed this via secure message on my account site, as this account was supposed to be closed. I was then told that this was charge due to " purchases made outside a grace period ''. I have n't made a purchase on the card since XXXX XXXX so it made no sense. I again disputed this via secure message and did NOT pay the bill. I was then charged again for the same thing plus a late fee on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. My account was supposed to be closed, I should not be charged any fee or minimum amounts or late fees. This is ridiculous! I now carry a balance of {$3.00} on an account that should have been closed months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Applied for credit XX/XX/XXXX with Capital OneReceived creditNoticed fraudulent charges on statementContacted Capital One, filled out fraudulent charge paperwork30 days later, noticed same fraudulent charges remain on statementContacted Capital One again, had fraudulent charge paperwork faxed to me, filled it out again and faxed it back. Paperwork was received and I was told Capital One will investigate. 
60 days later, fraudulent charges still remain on statement. 
Contacted Capital One once more and was asked if I filed a police report ( this is something that should have been told to me from the beginning ). 
As of today, ( XX/XX/XXXX ), fraudulent charges still remain on account, which is in collections and has destroyed my credit, disabling me from purchasing a house.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: COLLECTOR CALLING ALL FAMILY MEMBERS AT WORK, CELL AND HOME IN VIOLATION OF TCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage account with Nationstar mortgage. We made a payment today but they reversed it, kept the money ( unapplied ) and refuses to give us explanation. I feel like they just want our house. Years ago, we ran into financial trouble due to unemployment. We seek for loan modification. They took years to process it. Then when they finally modified our house. They added over $ XXXX towards our balance, unpaid payments, and raised our payments to {$3500.00}. This caused us even more financial trouble. They robbed us. We put so much money down to buy this house. We have been paying for 9 years. Loan started at $ XXXX but now it 's $ XXXX because of the greed of this mortgage company. We want help to get forgiveness for amount they capitalized, put us in an affordable payment and help us stay in our home. Now the website shows I am not eligible to make payments?

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had XXXX XXXX account deleted last month and just two days ago it was re-added back to my account. I have disputed this account provided the correct paperwork and Equifax keeps adding accounts not mines or deleted accounts. 

I have also added my ID since they do n't have a copy of it.

Company response to consumer: Closed with explanation