milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
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: GM Financial is reporting inaccurate payment history on my credit report for account # XXXX. I have filed disputes with all three credit bureau 's. GM Financial is reporting 30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and 60 day late payment for XX/XX/XXXX on the previously referenced account. The account was paid if full and closed on XX/XX/XXXX. I've made numerous phone calls to GM Financial customer service for approximately a month. They have corrected payment history with XXXX but have yet to submit a correct payment history with XXXX. They have also provided me with letters that reflect the account was satisfied in XX/XX/XXXX. This inaccurate reporting is impacting my credit score significantly. I am in the process of obtaining a mortgage and this inaccuracy is preventing me from doing so. The score simulation on XXXX 's website indicates a positive change of greater than 50 points if this inaccurate reporting was corrected by GM Financial.

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 01-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I owed a XXXX XXXX XXXX XXXX from XX/XX/XXXX said I agreed to pay XXXX a month I never did that the statues of limitation have run out as of XXXX summons me to court I replied by sending the court the bill the summons and a letter stating did not owe it due to the statues of limitations on new York state is 6 years so they have put a judgement against me

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I notified all 3 credit bureaus that they were reporting erroneous information on my credit reports and that I had notified the companies that there were unauthorized accounts listed in my reports.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: I have filed numerous complaints regarding the reporting of my XXXX XXXX account, ending in XXXX. Since the bank refuses to remove the account from my reports, as they promised to, if I paid in full. I have since paid in full but now they will not remove the account. Since the account will not be removed from my report, I would at least like for it to reflect correctly. This account is no longer in collections, has it is stated on my report. I have PAID IN FULL. However, the account status on my report still say collection/chargeoff. I would like to have the account status to reflect " closed/paid ''

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 05-09-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX mortgage with Green Tree Servicing. I have faithfully paid my loan on time for the last 10 years of a 15 year mortgage. My monthly mortgage payment on my account is $ XXXX.and some odd cents. For about the last 2 years I have been making small overpayments on the loan that I requested be credited to the principal on the loan and not the interest. The increase in payments was {$230.00} then I increased them to {$240.00}. I notice on XXXX/XXXX/2015 that Green Tree was doing just the opposite of what I had requested, they were crediting all overpayment to interest. Therefore they have been collecting more interest than is due monthly on the account. I called Green tree on XXXX/XXXX/2015 at approximately XXXX central time to correct this error. I was told that the error would be corrected by the young lady that I spoke with. On XXXX/XXXX/2015 I receive a letter from Green stating that my account is past due. I call again and spoke to a gentleman by the name of XXXX XXXX and I requested that this error be corrected. XXXX XXXX checked my account and noticed that I had not missed a payment and he assured me that the error would be corrected. Today on XXXX/XXXX/2015 I received a note from Green tree that I am now in default and I now have 30days to correct/pay this default balance of {$710.00} I have never missed a payment on this account and Green Tree has been misappropriating overpayment on this account for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX I was informed that my loan was two months behind, I informed the caller that I was unemployed for a year in a half at that time, but I just got hired parttime and that I would be able to start making payments, she gave me an option of modification, I informed her that I would try to get needed paperwork to her for this, but I wanted to continue to make payments as I could. I received information for modification, I tried to get needed paperwork, due to work schedule it was hard, I was working consisitantly XX/XX/XXXX and I asked that they continue to draft my account for monthly morgage and when I could make additional payments to catch up I would. Wells fargo stoped withdrawing my morgage and I was informed when I called to check on my morgage that it was in forclosure and that a date for sale was not determined. Wellsfargo has had this loan since XX/XX/XXXX with me and the rate is 8 % on a {$40000.00} loan and I still owe that amount. I pay {$430.00} monthly, I have tried several times to get my intrest rate changed or refinance and they refuse and I have 30 years at this rate on this loan. Yes I have struggled with this loan due to my job lost, but this home is worth XXXX and Wellsfargo is sending people to take pictures of my home saying " this home is for sale '' I have the stress of being underemployment and Wells fargo trying to take my home to sell it. I have tried to set double payments and was told no, you have to pay {$2800.00} or do a ballon payment that wll be due in six months. Please help me I want to get away from Wellsfargo that are trying to steal my home for nothing. The intrest alone I have paid this loan off. I have depleted all of my retirement trying to pay this mortage monthly and I miss a couple of payments and they put me in forclosure. Please help me, I am so stressed with this problem. I have called everyday this week trying to set payments and they will not allow me. they are trying to make it look like I am very far behind and I am not they stoped taking my 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 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: One day earlyXX/XX/XXXX, I received from Amex a package containing a new credit card that I have never requested. I immediately contacted Amex at the number printed on the card and complained. I also brought up a very specific request that Amex should investigate when and who applied for the card impersonating me knowing my SSN.
Amex call center representative agreed. But in the letter dated XXXX XXXX from Amex and XXXX, they only apologized for any inconvenience short of mentioning anything about possible ID theft investigation. As I complained over the phone again about their insincerity, I decided to escalate it to the government. The number of the card : XXXX XXXX XXXX Expiry : XXXX Card Holder 's Name XXXX XXXX XXXX ( my original name prior to the naturalization inXX/XX/XXXX ) The package was mailed to my previous address at XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX ( c ) ( XXXX ) XXXX email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on or  XXXX   XXXX   XXXX   XXXX , transunion and  XXXX  took information from a  XXXX   2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB  Fine  these agencies to the tune of   XXXX   of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.

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 03/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In dealing with XXXX, and now Navient in regards to my private student loan, I have been charged an exorbitant amount of fees and late charges due to the mishandling of my account. While trying to resolve any matter or request assistance from a representative, I was always quickly rushed off the phone. Its like they are not allowed to speak with a customer for more than 5 minutes. The representatives at Navient were always quick to push me into a forbearance but never offered any other type of program that may make it easier to afford my loan. Even while on XXXX with the XXXX, the only program offered to me was forbearance. Whats worse, is that on my last XXXX, my forbearance that I thought was for the duration of my orders, was only for one month. After I returned from XXXX I found my account severely past due and I owed months of late fees. You would think that when you are 60, 90 days past due they would make an attempt to call you and resolve the payment issue like most creditors do. Not Navient, they seem perfectly happy with you as long as they have their late fees on top of the interest which never stops. 
Another issue is that they offer no assistance if your on a private student loan and have a XXXX student loan repayment contract. The XXXX is kind enough to make one large payment a year to my loan, unfortunately, Navient does not allow this one payment to be the sole payment for the year, even though it is 3x larger than the sum of my regularly scheduled monthly payments. Perhaps they do offer a program for XXXX, but I would never know because ever rep at Navient has a different way of pushing back when I ask about it. So for now I continue to make monthly payments even though the XXXX has one for me at the end of the year. With all the interest and fees I have been charged, my {$30000.00} XXXX student loan bonus is almost used up and my original {$25000.00} student loan is nowhere near to being paid off. 
Navient appears to be one of those companies that if you call them 5 times, your going to get 5 different answers. In dozens of calls to them, the main option presented repeatedly was a forbearence, which may offer temporary relief, it actually just digs you deeper in debt, which appears to be Navients goal.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2016 about Consumer Loan (Vehicle loan) with Quality Acceptance llc (NV).
Issue: Taking out the loan or lease

Complaint: I do not want to hear a word from this company but a check sent. QUALITY ACCEPTANCE, LLC, and all, I mean all of its workers are nothing but thieves and criminals. They lie, commit fraud and give illegal interest rates and make unlawful calls and threats. Over {$12000.00} sent to them and we had car for a year. WAIT TIL YOU HEAR THEIR RESPONSE, its filled with lies and games. They are disgusting and need be fired and tossed out of the loan game. DISGUSTING.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Credit determination

Complaint: Re : Chase Bank, XXXX XXXX XXXX, XXXX IL XXXXEarlier this year my son ( XXXX years old, no job, no income ) and I walked into this branch, where my wife and I have all of our accounts. My son requested a credit card, and the " banker '' asked me what my household income was. I asked my son to turn around, and I whispered to the " banker '' that it was in the " XXXX figures ''. I told the " banker '' that I would not be a signer on my son 's credit card account, not as a co-signer, not as guarantor. The " banker '' assured me that I would not be responsible for his account. The banker DID NOT explain to me AT ALL that the " household income '' number that I gave him VERBALLY would play a major and primary role in determining the credit limit that they granted to him. I left the branch and my son stayed with the " banker '' to complete the application. I did n't sign anything, nor was I given any disclosures. 
A few days later my son received the Chase credit card in the mail with a {$33000.00} credit limit!!! 
YES, that 's correct A XXXX XXXX XXXX DOLLAR CREDIT LIMIT for a XXXX year-old who has no job, no income, and NO ASSETS. 
As far as I am concerned the " Banker '' who filled out the application committed fraud because he did n't disclose to me the purpose of the " household income '' number and did n't tell me that it was going on the application. 
I consider the action by the bank to be predatory, outrageous, but unfortunately, I 'm not surprised at all. Chase wants him to run up a large balance, charge him 20 % interest and then he will be servant to him for the rest of his life. Another bank being such a good corporate " citizen '' helping a XXXX year-old start his life in the hole .... 
Today, my son told me that he has a {$5000.00} balance, does n't have the money to pay it, is very depressed over the issue and had not be able to concentrate on his life for the past month or so. I called Chase and asked them to withdraw the " household income '' number from the account, as it was used fraudulently. I was hoping that by doing so, the bank would then recalculate his limit to a much, much, much lower level. Of course the bank said it ca n't be done and that they have to call my son to get his approval to lower the limit. I told them that per the legal credit card agreement the bank can reduce the credit limit at any time without asking the customer ( my son ). I said that my withdrawal of the " household income '' number should give them sufficient reason to reduce his credit limit. I told them that if my son knew I was talking to them he would n't talk to me for many years! But, of course the bank could n't do anything and as such, my son still has his {$33000.00} credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Medical debt) with Radius Global Solutions LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Doctors appointment at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NC XXXX on XX/XX/XXXX. I paid in full for the services on XX/XX/XXXX. 

On XX/XX/XXXX I received a call from XXXX and I spoke with a woman from a collections agency who informed me that I owed money to XXXX ( from the XX/XX/XXXX appointment ) and I had n't paid it. 

I told her I had no knowledge of the bill and had not received any notifications ( by mail or via the phone ) from XXXX over the past year. She told me the address where the bills were sent. I informed her that I have not lived at that address for over five years. She told me she would send a new copy of the bill to my current address but there was n't anything else she could do. 

Since that phone call I have continually been berated with calls from various numbers similar to the one she called from. This has been inconvenient and unnecessary since I ca n't move forward with anything until I see the bill. 

On XX/XX/XXXX nearly a year after my appointment I received a piece of mail from XXXX XXXX XXXX XXXX notifying me that my XXXX account was sent to collections and my balance due is {$240.00}. I still do n't have a copy of the invoice or any communication from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (GA).
Issue: Making/receiving payments, sending money

Complaint: My savings account @ Suntrust Bank in XXXX XXXX, Georgia was compromised in the amount of {$2500.00} on XXXX XXXX, 2016. It was transferred to my checking account without my knowledge or consent. The bank said there was nothing they could do. I am a XXXX, XXXX & XXXX in Origin. I reported the Fraud to the Bank & the Suntrust Fraud Division, and it is allegedly under investigation. I took out a Police Report in XXXX, GA. The Bank is taking a passive attitude towards my plight, because I 've worked so hard to save that Emergency Savings, and to see it all gone, and the Bank does n't care. I behoove anyone, especially XXXX to not use Online Banking, because your accounts will be hacked online. I am a living witness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The debt collection agency Santander Consumer USA purchased my debt from XXXX XXXX. When Santander acquired the account they changed the " last payment made date '' to when they got the account. They are not taking into account when the account first became delinquent. My vehicle was repossessed more than a year before XX/XX/XXXX and they still reported the " Last payment Made XX/XX/XXXX ''. The collection agent stated thats how they handle all their new account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (I do not know) with ROC Asset Solutions, LLC (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They have been calling threatening me with lawsuit and that if I dont contact them I could be sent to jail. They have called 3 people that I dont keep in contact with much, but they were worried and called me to say they were woken up with a man named XXXX XXXX calling them asking them about me. 
XXXX

Company response to consumer: Untimely response
Consumer complaint received 10/19/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Trouble during payment process

Complaint: I have met the terms given by Carrington Mortgage Services , LLC in order to remove the PMI from my mortgage, I have sent a faxed request on XXXX separate occasions to have this done. I was told by a representative that a letter had been mailed out to me on XXXX XXXX, XXXX updating me, I have not received this letter. I have, however, received several other communications from the company regarding other issues such as hurricane relief and new billing statements dated after XXXX XXXX. I called and spoke with a supervisor for the company 's call center at the end of XXXX and she informed me that I would have to wait until XXXX in order to see a change. I have since chatted online with a representative, XXXX, who informed me that I would have to make my XXXX Payment and wait an additional 60 days for the escrow analysis. I am then told by that representative that they are not working in the department that actually handles that request and I can not speak with anyone in that department because they do not accept calls.

Company response to consumer: Closed with explanation