milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My interest rate on one of my loans is 10.75 %, I pay {$160.00} a month on this loan alone and not a dime of it goes toward my principle amount! I 've been paying over {$600.00} a month for years just on my private loans, and at one point I was paying {$970.00} a month. I did not get help from any adult family members to go to college. I had to pay for it myself, I knew nothing about loans and interest rates. My student financial adviser filled most forms out for me. I trusted my college which was a huge mistake, they were private and for profit only. I am now an adult an feel completely taken advantage of. I am almost XXXX and ca n't even start a savings account. A full paycheck is taken monthly by Navient, which was XXXX XXXX and changed without my knowledge until I was some how delinquent and owed a company I had never heard of money. I can not create a life worth living with this unreasonable debt. I make under XXXX a year, I have bills. I ca n't even afford a car because of my student loan debt. Please someone help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Payday loan, title loan, or personal loan (Payday loan) with DFC GLOBAL CORP (CA).
Issue: Was approved for a loan, but didn't receive the money

Complaint: I applied for a small online payday loan fr om Money Mart ,  X/XX/2017   . Ive done business with them in the past, and paid my small loans. I was approved, not " preapproved '', for {$150.00} . Money mart w anted source of income, Social Security  XXXX   XXXX   XXXX  Statements, and a government ID. They wanted me to fax or upload it to their site. I could not, so I took it to their store at,  XXXX   XXXX   XXXX ,  XXXX . CA.  XXXX , the next day. I TOLD the clerk I was approved online and could not, upload the forms. I gave her copies, I showed her I ad already been approved. She went through the motions of processing a new loan, i thought she was going o email or fax the papers to the online service. She gave me a paper, that said the loan was denied, because, I had one being processed. I TOLD her that, she knew it was going to be denied, she seemed to be doing some type of fraud. She said she could fax or call them, but she was doing irregular business processing so I left. I informed the company, someone named "  XXXX  '', that appeared to be covering the clerk lied, and said the clerk cancelled the online loan. She can [ t and that does n't make since.She kept copies of my papers. I think hey may have been trying to do fraud on some of my family 's properties, I have identity-theft. I think a bad group or gang bought this store a year ago, it is no longer credible.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX/XXXX/2016 I received an alert that Transunion had decreased my scores by XXXX points. I called and spoke with them and they said that I had negative items an my report. I told him that these negative items carried zero balances and the only recent activity on my report was an inquiry and that did n't amount to a XXXX point decrease. They also removed an account earlier from my report that I 'm still making payments on. I have n't seen that account on my report since XXXX. Why would they remove accounts from report that is active and timely payments are being made on this account.

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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX Dated XX/XX/2017 that I did not authorize

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 09/20/2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (MD).
Issue: Deposits and withdrawals

Complaint: My bank paid out {$5000.00} to someone that I do not write my check for without contact me. I do not have {$5000.00} in the account. The bank left my account in negative of {$1300.00}. I contacted the bank when I found out, I filed police report. I called the bank several time. The case has been over 40 days the bank is not resolving the case. The name of the bank TCF Bank in Minnesota.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XX/XX/XXXX I received a notice from my XXXX account saying that DIVERSIFIED CONSULTANTS was seeking {$180.00} in collections. I have never heard of this company before, and I never received any notices about this debt until XX/XX/XXXX. this has to be either identity theft or they have me confused with someone else 's account. 
Or this may be in regards to another dispute I filed on XX/XX/XXXX regarding my identity being stolen and used to create a T.V. account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They responded by removing the negative mark on my credit score, and by removing the debt I " supposedly '' owed because it was a result of identity debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Debt collection (Payday loan debt) with Debt Management Partners LLC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Threatened to sue me for debt that was wrongfully forwarded to collections after financial institution have already paid for debt an passed the amount owed onto checking account resulting in overdraft. Have documents supporting this. When I tried to talk to them they kept trying to make me say Im refusing payment they threaten to make me pay more in court and wanted money today also stated they would not give me proof of debt or that it isnt in their right to give me proof they stated they managed many companies and had partnering companies. They also would not call me from an unblocked number for me to search for legitimacy. They refused to give me physical address as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MD).
Issue: Taking out the loan or lease

Complaint: I want to make a complaint about a predatory loan with GM Financial. XX/XX/XXXX, I purchased a XXXX XXXX from XXXX of XXXX, the day after I drove off of the lot with the vehicle ( less than 24hrs later ) I had buyers ' remorse, I was still dealing with the loss of my mother and was not in my right frame of mind to make such a large purchase. I spoke to several people in the finance department and told them that I could not afford the vehicle and that I wanted to return it, but they refused to take it back, in addition to this it was the floor sample and the purchase price was {$15000.00}. There was a rebate on this vehicle. ( which I never received ). 
( a ) I purchased the XXXX for {$15000.00} ( b ) I gave them a down payment of XXXX. 
( c ) I traded in a XXXX XXXX with a balance of {$3000.00}, ( the blue book value was {$4000.00} ). 
( d ) After making my monthly payments for 5 years, in the amount of {$540.00}, totaling {$24000.00} ( per GM 's account history ) ( See attachment # 1 ) ( e ) I asked them to pick the vehicle up from the voluntary return location and sell the vehicle for the parts because the vehicle had new tires, a navigational system and other new items that I recently had installed ; after selling the vehicle I asked them to let me know what the balance would be so that I could make payment arrangements on the balance. 
( f ) They let the vehicle sit on the voluntary return location for a month before going to get it, by this time a storage fee had accumulated, which they were not willing to pay. The vehicle is still there, ( g ) I asked them if they would make me an offer they refused ; so I offered to pay them {$5000.00} to settle the contract, they refused. 
( h ) After tallying the total amount that I paid for this vehicle it come to {$26000.00} ; - XXXX based on their records ( See attachment # 1 ) - XXXX, down payment, - plus {$560.00} missing payment ( my bank statement/See attachment # 2 ) ( i ) After researching I 've found that this company has a history of practicing in a predatory manner and they have numerous consumer complaints ( See attachment # 3 ). I am requesting an investigation and assistance with cancelling the remainder of this loan. Since I 've already given them {$26000.00} on a {$15000.00} loan, and because of the debate that I was promised but never received.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Address information - Current is XXXX XXXX XXXX, XXXX XXXX XXXX. 
My informaiton has been mixed with my brother 's information. The following information needs be removed and placed under SSN XXXX instead : Personal Information - XXXX XXXX XXXX,, XXXX XXXX XXXXAccount information-XXXXAccount # XXXX XXXXAccount # XXXXAccount # XXXX XXXX XXXX XXXX XXXXAccount # XXXXAccount # XXXXAccount # XXXXAccount # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Additinally the following info is also inaccurate : Former Address2 - XXXX XXXX, XXXX, XXXX belong to XXXX XXXX XXXX ( USPS ' mistake for not able to tell the difference between " XXXX '' and " XXXX '' ) Former Address3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX belong to XXXX XXXX XXXX ( my brother )

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received an audit statement from my mortgage company that my escrow account was going to be raised by {$200.00}. Then on XXXX XXXX, 2017 my mortgage company took thru an ACH transaction {$950.00} instead of the additional {$200.00} that was noted on my statement. I received no notice of that they were going to do this. When I spoke to them ( Ditech ) the response was that the escrow was short {$400.00} and that they would not be reversing the extra money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Union Credit Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I recently was denied credit due to a utility lien and medical bill. The utility lien was {$140.00} and the medical bill was for {$1100.00}. Union Credit Corporation is negatively reporting utility liens and medical collections that do not belong to me. I filed a police report with the XXXX Police Department. Identity theft report # XXXX and Report # XXXX with investigator XXXX. I have been a resident of XXXX Tn since 2008. I was a victim of identity theft and I do n't owe these debts and I would like these items removed from my report immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Debt collection (I do not know) with WILKINSON LAW FIRM, P.C. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection agency calls my work phone XXXX times/day asking for someone named XXXX . I do not know anyone named XXXX. I have contacted them several times asking them to remove my number from their list. 

The last time I called asking them to remove my number was XXXX/XXXX/15. They called me again at XXXX XXXX. on XXXX/XXXX/15. I asked them to remove my number again. They then called back at XXXX XXXX. I asked them to remove my number again and I was rudely told, " your number is not in our system. There is no number to remove. '' So I asked how they were able to call me if my number was not in their system. The woman stated that she did n't know. I told her the problem I was having and that I did not want to receive any more phone calls from her institution. She then repeated that, " There is no number to remove. '' and hung up on me. 

At this point I am frustrated that this company will not stop calling my work phone even though I have asked, and that they treated me as if I were the one making an error, or as if I were delinquent on a debt, or as if I had somehow otherwise offended society. So I called the number back hoping to speak to a manager. When I called back, I had the most unbelievable phone conversation of my life. I was treated as if I did not deserve to exist on this planet. 

The man that answered the phone stated that his name was XXXX XXXX and how can he help me. I asked for a manager. From there the conversation immediately escalated. XXXX stated that I could talk to him. I asked if he was a manager. He stated that I could talk to him. He would not answer whether he was a manger. I then tried to explain what my complaint was, and he cut me off asking where I was calling from because my number does not match their system ( at this point I was on an outbound call from my employer, so the main number would show to them as opposed to my direct line which is the line that they continuously call ). I was n't even able to explain what my complaint was, or the difference in phone numbers or anything else because he was yelling at me and would n't let me speak. So I stated that I would like to know the name of their organization, at which point he hung up on me. 

I do n't have any delinquent debts. I do not deserve to be treated like this. They are in error - they call the wrong person. I have asked to be removed from their list and they continue to call. Even if I were the right person and did owe a debt, no one deserves that sort of harassment or mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Failure to remove Private Mortgage Insurance despite Auto-termination date. 
I have a great deal of communication from Nationstar that my Private Mortgage Insurance would auto-terminate- various dates have been provided and they continue to dispute and indicate my home has not reached the 78 % loan to value- they provided the dates for which that would happen. They repeatedly say I must get an appraisal through a Nationstar appointed appraiser and go through the motions of the " borrower request to remove PMI. '' I am only requesting it be removed per the auto-termination dates I have been provided- I will not pay for an appraisal for something that should have been removed from my account per their paperwork and the loan documents.. 

I have been dealing with this issue for over a year- and I receive different answers with each call. I spoke with 7 representatives & supervisors on XXXX continually getting the run around and being told " this is not the right department to handle your request. '' I was transferred over and over again. 2 hours on the phone on XXXX/XXXX/XXXX with no resolution- meaning I had to pay the full amount due by XXXX/XXXX/XXXX to avoid late fees and penalties. 

Consumer 's Desired Resolution : I want the PMI removed from the account per the effective date in writing of XXXX XXXX, XXXX ( preferably to the XXXX XXXX, XXXX date that is shown on the original loan documents of XXXX and as stated in various conversations with Nationstar, most recently on XXXX/XXXX/XXXX with an Escrow representative ). I request a refund of the PMI amount paid in past the auto-termination dates. A loan modification was completed in XXXX, however the documents do not contain anew PMI disclosure. 
This matter has been sent to the XXXX and after three months of back and forth the case has been closed with no resolution. The XXXX has provided the following response as of XXXX XXXX, XXXX : " Business Name : Nationstar Mortgage LLC You have indicated from your Customer Response that you were not satisfied with the Company Answer in your complaint case. Because of this, we have conducted a case review which includes all of the available documentation contained within the Original Complaint, the Company Answer and the Customer Response. 
Based on this review, we have determined that the company did not do all that it could have been reasonably been expected or been responsible to do to resolve the issue. This case is being closed and will be reflected in our files as Unresolved. '' Assistance would be greatly appreciated as I do not understand why I am subject to an appraisal that must be conducted by a Nationstar appointed appraiser if I am well beyond the auto-termination date reflected in the loan documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is a dispute for accounts incorrectly listed on my credit report of which these fraudulent accounts and public records that " may be considered negative '', have been filed illegally without my permission and misconduct use of my stolen personal information such as my name, social security number, and birth date. It is Fraud Identity as I did not file this accounts/public records on the dates specified in the credit report when they were opened, nor did I sign for any such accounts/public records electronically. For the credit items accounts such as : XXXX, XXXX. of XXXX, and XXXX I have n't been in any type of schooling for well over 8 years, and while I was in school I was on Scholarship for 3 years. For the public records account XXXX, I have never lived in that area before and I have absolutely no idea where that comes from or even why it appears on my credit report. I am only a resident and have only resided in the State of New York. I have also never been contacted by that and have no idea where that is located nor do I know what it is in regards to. 

I never filed any form online for such credit items accounts and public records, and I also never signed any electronic forms for any credit items accounts and public records online. Again this is Fruad Identity and I am disputing these credit items accounts, public records, and credit report. 

Thank you in advance for your patience and understanding.

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 01-05-2017 about Credit reporting () with Risecredit, LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: INQUIRY WAS NOT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from FBCS Services dated XXXX XXXX XXXX attempting to collect a {$250.00} debt on behalf of XXXX XXXX XXXX. Not only have I never done business with XXXX XXXX XXXX in my life, but the letter is addressed to my middle name. I have not contacted FBCS Services, because this debt collection attempt is fraudulent, and I do not want to them to have my contact information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have attorney representation against NCT therefore I do not want any contact from this company until the legal issues have been solved. AES has been told this numerous times and I have advised the company per my attorney I ca n't discuss any NCT loans with them except loan # XXXX because it is co-signed and my mom does not have legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: TransUnion  File # XXXX Date XX/XX/2018 Personal Information : XXXX XXXX XXXX XXXX I have not ever used to obtain credit. I need for TransUnion to provide documented proof of this such name was or used for any type of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Dear CFPB, I contacted Comenity Bank in regards to an account I opened. Currently on my XXXX credit report is showing my XXXX XXXX brand credit card account through Comenity Bank as active. I contacted the Comenity 2 months ago via telephone in regards to removing the account from my credit report in which I was told to write to their disputes department. I sent a letter via US mail 2 months ago and they have not responded to my request. I contacted Comenity bank again on XXXX XXXX, 2017 in regards to this and they told me again I could only send a letter via mail to dispute and provide the same mailing address. I explained to them I already did this step and they did not provide any further resolution. Comenity Bank is not removing this account which is incorrectly reported from my credit report is negatively impacting me. I am requesting the CFPB please assist me in resolving this as I no longer have any options and Comenity Bank is hurting my credit report. It appears Comenity Bank does not want to help consumers and is refusing to respond.

Company response to consumer: Closed with non-monetary relief