milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Taking out the loan or lease

Complaint: My XXXX credit report shows an unauthorized credit inquiry from Ally Financial on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted the lender requesting removal, but my request was ignored.

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 03/28/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had several collections show up on my credit report from Midland Funding LLC. I have disputed XXXX of the credit bureaus ( XXXX and XXXX ). XXXX did an investigation and immediately deleted everything with Midland on my credit report. The information remains on my XXXX file and I would like it removed off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attempted to enroll in the Federal loan forgiveness program with Navient. I spoke to Navient and verified I qualified. I worked for XXXX. I thought I only had to make 10 years of payments to pay off my loans, which are over 100,000. Then I called them and said that my payments did not count from 2007 on -- because I should have switched over to another servicer sooner. What!!? They NEVER told me that. Now I am years behind where I thought I was -- all because of their misinformation. I want to be part of the lawsuit against them. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I sent Portfolio Recovery Associates a dispute letter about the debt that they are attemlting to collect being past the statute of limitations for Wa state for open ended credit accounts In the last paragraph of the letter sent it stated to cease all phone calls and use mail to let me know that the matter had been settled They called my cell phone no less than 5 times after that and sent a letter stating that I did not provide enough information to dispute yet they continue to provide the information to verify this everytime I dispute this. The company knows that the debt is zombie debt that needs to be removed from my credit file. It is more than 3 years since the default date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (OR).
Issue: Struggling to pay mortgage

Complaint: I am a XXXX XXXX working with a client trying to avoid foreclosure. He tried contacting his lender numerous times regarding options for modification. They over and over told him to complete loss mitigation package sent to him. Informed him each time he sent all the documents over that he was missing documents, they never received them or that his documents were expired by the time they got the other documents. This has continued for over 2 years now and the ct is now in the OREGON FORECLOSURE AVOIDANCE PROGRAM. We both have experienced trying to contact the account manager in the case and left a number of voicemail and never received a call back. The client and I have yet to get a finalized review for a loss mitigation options for home retention. They continue to not be responsive and prolong the process it feels like till they client has not other option due to all the fees they 've inquired by the lender prolonging the process. When the homeowner has complied and provided all the documents needed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NE).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I opened an account on Saturday with Wells Fargo and after going in to the company to give them my opening deposit and requesting an instant issue debit card I was told that I had to pay them for a charged off account that I had with my parents when I was younger, specifically below the age of majority in my state. After I paid the fee I called to speak with their complaints department as I was blindsided with this information and was then told that I could not get a debit card until I paid them. This entire experience has been horrific and the person I spoke to in the complaints department was beyond apathetic, and sounded very unknowledgeable regarding the situation after having my account pulled up. My case number is 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 monetary relief
Consumer complaint received 02-03-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: please see # XXXX : Mr.Cooper responded to every complaint with similar resolutions with the exception of the attached complaint #. Please confirm if this property located in XXXX is part of a flood disaster or not? This is not " potential '' Hurricane Harvey ( 2017 ), This disaster happened in the XXXX area with disastrous flooding. While Mr. Cooper has not responded to us in this respect, we shall continue to look for help elsewhere. Furthermore, the lastest response addressed the company could not substantiate claims that we were told our payment would be less than the trial payments. If all calls or monitored as indicated, please review calls I made to speak with a Mr. Cooper representative. Although, ( it was Nations Star at the time, I made a call to Nation Star questioning the trial payments, this call would have been during the time we learn of the first trial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Whenever I have a credit card someone uses it and the balance gets out of hand. The ending balance is usually twice the purchases I made and these include fees and interest. On all my credit cards I asked the companies to provide a reconciliation statement, how much principal, how much interest, how many fees and not one company gave me a statement. XXXX is notorious for identity theft. I tried working with these companies when the balances shoot up and use my skill in accounting ( took a college class ) and they WANTED me to ruin my credit. XXXX is behind this, I believe. We bought our house XXXX XXXX XXXX, XXXX XXXX with perfect credit and XXXX told me I had to go to XXXX of XXXX. They stood looking into our room and said, " This is very unusual, '' and managed to take over my accounts for the rest of my life. They have some kind of credit watch on my accounts and whenever I get a card they use it. Now I am hearing from Portfolio Recovery Associates on the phone every day. They call and do n't leave a message. This time I got the person 's name and number. I want to send them my phone bills for a year for this harassment. I pay for my phone and not for them for their business, crooked as it is. They should be arrested. Just now, XXXX XXXX a woman called just after XXXX. She said her number was XXXX. I want to dispute this on my credit report because the only way I knew to stop the identity theft was to stop paying my accounts to stop the thieves, thus ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Consumer Loan (Installment loan) with Enova International, Inc. (WI).
Issue: Taking out the loan or lease

Complaint: Cahnet USA is denying me their offering of pre-approved credit because I am XXXX. 
In addition Cashnet USA has sold my personal information on the black market. I know this because the exact information ( uniquely coded so I could track its use ) I gave Cashnet USA was used to steal my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Signature load from back in XXXX -- Bank of America/ FIA Card Services XXXX got behind in XXXX / XXXX attempted to work out arrangement w/ BofA - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountBof A stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX ( XXXX & XXXX XXXX for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with Bof A -- responded to them in the samemonth of XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year XXXX - they filed suit again me in XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXBof A has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past 5 1/2 years -- he has made several attempts to get Bof A to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: I made a purchase on my card that I wanted to dispute and to block a merchant. The first time I called I had no problem and I had the rep note the conversation and the issue so when I called back I would not have a problem. The rep said that I had to call back because the charge was pending. When I called back I was transferred to XXXX reps put on hold for half an hour and drilled about who I was!!! It was a {$9.00} charge that I wanted to dispute and block any further charges. I was told that I needed to send it the information I could not " verbally '' tell her on the phone!!! First she said my address was n't coming up in the system ... ..I said that 's really strange and how are you going to send me my bill??? She became very rude talking over me and then she " somehow '' disconnected the phone line when I asked for her name?? I told her to cancel my card she told me she was not able to do that however she could block any further charges!!! LOL well that 's basically what I was telling her to do. Unqualified and Unprofessional and a waste of my time dealing with Untrained csr.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, XXXX, XXXX and TransUnion will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report immediately.

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 11/30/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I filed Chapter XXXX Bankruptcy. I had a mortgage on a non-owner occupied property which I excluded from the plan as I was trying to sell the property. After months I obtained a buyer and was excited to close on the sale of the home. I had to sell for less than what I owed, but I did not pursue a short sale. My title company had obtained a payoff XX/XX/XXXX where there was a {$400.00} Review of Plan/Notice of Appearance fee for the bankruptcy. The closing was delayed and Ocwen Loan Servicing was very uncooperative in sending a payoff statement to my title company so I could close on the sale nearly causing me to lose my buyer. When the payoff was finally received, they charged me {$400.00} for Review of Plan/Notice of Appearance and added {$450.00} Bankruptcy Fee that was not present on the previous payoff. On top of that, they charged me an additional 23 days of per diem interest on my payoff in Illinois where it is not permitted to require FHA payoffs to be good through the first day of the following month. These fees were not disclosed to me, not provided for in my note or security instrument that I could see. This caused a financial hardship in an already distressing situation when I, as a debtor, could have just surrendered the home in bankruptcy causing the lender significantly more money.

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 05/31/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (SC).
Issue: Trouble during payment process

Complaint: The mortgage for my home in XXXX, AL, was serviced by Ditech Financial. On XX/XX/XXXX, I sold my home. On XX/XX/XXXX, Ditech sent a letter to my new address indicating that my  loan had been paid in full and that a refund for overpayment or positive escrow balance would be mailed to me within 20 business days of the payoff date. On XX/XX/XXXX, Ditech autodrafted a mortgage payment from my checking account -- despite the fact that my account was " closed '' and " paid in full. '' I spoke with a Ditech customer service agent on XX/XX/XXXX, who apologized for the error and explained that Ditech had 30 days to issue a check to me to refund the erroneous autodraft. On XX/XX/XXXX, I called Ditech again to inquire about the status of my refund ; the customer service agent stated that my escrow balance refund check had been cut and was about to be mailed but that the mortgage payment refund check had not been cut yet and that Ditech has 30 days to issue that refund. On XX/XX/XXXX ( the 20th business day following the erroneous autodraft ), I called Ditech again to inquire about the status of the refund of the mortgage payment ; as the customer service agent started to tell me that Ditech has 30 days to refund that payment, she realized it was the 30th day/20th business day. She said the check had not been cut yet, but that it should be " soon '' and to call back the next day. On XXXX XXXX, I called Ditech again ; I have been advised that the check was cut on the night of XXXX XXXX and should be in the mail but that it could take up to 10 business days to reach me. I advised Ditech that I have retained an attorney to help me with this refund and that if I do not receive that check soon, they should expect to hear from my attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Trouble during payment process

Complaint: I submitted a complaint with the CFPB on XX/XX/XXXX, concerning my mortgage servicer, XXXX XXXX ( now " XXXX XXXX '' ). I had many concerns about the company, and had still never seen any paperwork about my loan, other than the original documentation from XX/XX/XXXX, when I originated the loan with XXXX XXXX XXXX. Within two weeks of filing the complaint, I was informed that XXXX XXXX had sold my loan to XXXX XXXX. They apparently took over the account in mid XX/XX/XXXX, but it is now past XX/XX/XXXX, and I have yet to receive any correspondence from XXXX XXXX. I do not know the terms of the loan, or the amount of my monthly payment. Beside the fact that XXXX XXXX is the target of multiple on-line complaints, my main concern remains the same. Why ca n't anyone provide any type of documentation about my mortgage. Yes, I took a loan from XXXX in XX/XX/XXXX. But now, after 16 years and 4 mortgage companies, I seem to owe as much as I borrowed, and the only loan documentation is the original one from 16 years ago. I hope you can help. 
Thank you. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account was previously with XXXX XXXX XXXX, account number XXXX in the amount of {$560.00}. I was never called by this company, they just sent a letter after it was removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Checked my credit report 4 years ago saw there was a XXXX XXXX credit card in collection. Filed a dispute since then it has been reopened every year by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Central Holdings, LLC (AL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Credit central in XXXX AL came to my tailor with a letter demanding I call a woman at the company named XXXX XXXX I called From my cell phone I blocked my number witch they got the next day illegally and called me.. I only owed them XXXX dollars.. The lady XXXX treated to sue my girlfriend s camper trailer we live in and she tweeted to take my girlfriends XXXX car.. My girlfriend did n't get the loan did n't sign any papers my girlfriends been living with me for a year and a half but she is still legally married to someone else in another state so we are not common law married.. Me and my girlfriend and both XXXX.. XXXX said harrying me we should n't me living in a camper if we make XXXX a month.. XXXX said she talked to our landlords we rent our lot we park our travel trailer on and XXXX said our landlords said we were always XXXX on our rent. 
.more harassment.. XXXX said my family told yet I was playing a game borrowing money from every body in town.. A lie my family did n't I just got in XXXX bad situation.. It us clear she phone harassed me I 'm XXXX with a severe mental illness I giving you the facts the phone records can be checked.. Between my number one time calling credit central ..I was criminally harassed my harassment had nothing to do with the debt it was criminal harassment. By XXXX at credit central in XXXX AlI give you my word ... I would have paid the money back I got in a bind taking care of my XXXX girlfriend fiancee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I paid a company XXXX XXXX XXXX XXXX on XX/XX/17 XXXX.When i contacted my credit card to dispute the charge they initionally gave me a provisional credit.I disputed it as services not rendered but they did not look at it that way and put the money back on my card.That was a mistake on their part.It should have been looked at as services not rendered. It also happened to me with Renevate to rent who charged me XXXX and rendered me no service.I would think these should be looked into properly.Master card made the mistake and i am paying for it.Thank you  in advance.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 contacted Transunion on multiple occasions regarding the incorrect reporting of a debt owed to XXXX XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX XXXX the debt submitted to the credit reporting agencies. And Transunion lowered my XXXX XXXX by almost XXXX points for this incorrect reporting of a debt I do not owe, with a negative impact on my job search. Transunion also has included a XXXX tax lien on my credit report for the state of Maryland. And even though I have not worked in Maryland since XXXX, Transunion has refused to remove this inaccurate reporting from my credit report, which lowers my XXXX XXXX and negatively impacts my credit 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