milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (MN).
Issue: Managing the loan or lease

Complaint: My mother died in XXXX XXXX and at the time of her death was leasing a car from Honda Financial Services, with whom her account was in good standing ( i.e., she had made all lease payments on time and in full ). Upon her death, we voluntarily surrendered her car to Honda Financial Services in pristine condition, provided Honda with a copy of my mother 's death certificate, and proactively inquired as to what balance was owed on her lease. In response, Honda first sent a confusing letter in XXXX XXXX that insinuated ( a ) that they had repossessed the vehicle ( when in fact it was voluntarily returned ) and ( b ) that my deceased mother owed Honda a {$15000.00} " Gross Early Termination Amount '' ( in spite of a lease agreement that specifies that the Early Termination Liability is the lesser of the remaining payments due on the lease term - which in total amounted to only {$5700.00} - or the Standard Early Termination Liability ( good luck figuring out the legal jargon used to articulate the definition for this term ). Now, Honda has sent correspondence indicating that they have " charged off '' my mother 's account and threatening my deceased mother that if she does not pay her balance in full ( a balance that Honda has yet to communicate as of XXXX XXXX ), then Honda may pursue unspecified legal action. On one level, this is laughable, as Honda is attempting to communicate with a deceased person. On another level, it is infuriating and insulting as I have proactively contacted Honda no fewer than four times, attempting to determine what amount was owed on the lease and was prepared to pay the amount lawfully due under the terms of her lease. Most concerning, however, is the fact that Honda Financial Services ' written communications and stated terms and conditions are deceptive in nature and their business practices are despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Credit decision / Underwriting

Complaint: Was denied a home equity line of credit after a 2 1/2 month application period in which I was continuously asked to provide additional income, tax return information and supporting documentation. Due to the extreme length of time to make a decision, Bank of America has pulled XXXX credit reports which has reduced my credit score and prevented me from being able to apply through another lender. I was told that my debt to income ratio was too high and credit score too low to be approved. This decision was reached after a 2 and a half month process? Had this decision been conveyed in a reasonable time frame I would have been able to apply through a different financial institution without additional credit being pulled and reducing my credit score. Every time the bank has asked for additional documentation, it was provided by my wife and I in a timely fashion. I would ask that the board investigate both the reasons for loan denial since it was not clearly explained and why the process took 2 and a half months to make a decision after telling me that my income, debt to income ratio and credit were not an issue.

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 05/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report was showing a few late payments in  XXXX  and  XXXX . I filed a dispute because the account was in deferment/forbearance for the dates during which the alleged late payments occurred. I got a report from  XXXX  this morning stating that the dispute was closed and the late payments were still showing on my account. I contacted  Fedloan and received no answers on why they did n't respond to the dispute. If Fedloan re sponded to the dispute request why were n't the late payments corrected? Also, I requested a copy of the letter that shows the account was in deferment in  XXXX  but have not received it yet. It has been ov er 4 week s since the original request. I called customer service and was told the initial request was entered in error b y Fedloan. Then, t he request was modified on  XXXX / XXXX / XXXX . I still do n't have the letter..

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with Blakely-Witt and Associates, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I applied for an apartment online. Was approved but i never signed a lease due to some unforeseen circumstances. I informed the company after approval, nothing was due to me online as the system allowed me to proceed and complete application.     They sent a letter to my previous address which i tried to resolve with the office but they could not hear any of it and sent to collection.     I responded and paid the  XXXX  application as per their website and form signed.   The collection company has further sent my account to collection.     I dont have a problem to pay but i want justice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I attempted to send a dispute letter via US Postal XXXX to the address listed in several parts of their website and forms as XXXX, XXXX, PA XXXX. The USPS said that XXXX is no longer valid. I finally found an alternative on a consumer watch group website. Please require TransUnion to update all references to their old address as they are avoiding receiving complaints this way.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (UT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have sent several request to remove inaccurate addresses to Chex systems and there response is that the addresses are given to them by the banks. I have contacted every single bank and they stated they are reporting the correct address of my current address. Therefore, all these other address and name variations need to be removed.

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 03-09-2018 about Debt collection (Other debt) with CBV Collection Services Ltd. ().
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Recently a this company has been spam calling me and texting me, making threats against my Credit and continuing to contact me after requested not too. Over mulitple expired debts. They claim I owe over 600 $ for a phone bill with XXXX. I and over 1000 $ for a phone bill with XXXX and making threats that they will attack my credit score to intentionally drop it to damage my life if I do not pay. They have called and texted me multiple times everyday for the past 3 weeks since XX/XX/XXXX to XX/XX/XXXX. Even after being requested to stop all contact around XX/XX/XXXX. Thus many Laws have been broken by this company, and they keep trying.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a part of the Equifax data breach announced recently XXXX XXXX XXXX and am filing a complaint to ensure that proper action is taken on my, and others ' behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid off an auto loan with XXXX a couple years ago. XXXX XXXX XXXX has 2 late payments on my credit for that car when I was never late. I set up the payments to come out of my account. I had some trouble getting the payment to process and was assured by customer service reps the payment was made. The payments were always made. I contacted them via mail, over the phone and through the bureaus about the dispute but they refuse to remove this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (Conventional fixed mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Settlement process and costs

Complaint: On XX/XX/XXXX, My wife and I took out a 2nd mortgage loan with XXXX Bank. After a few years, the loan was transferred to American General Finance, which was purchased by Springleaf Financial Services. Springleaf is where my problem started. 
I XXXX was delinquent with my 2nd mortgage. Springleaf 's local office transferred my loan to the main office in XXXX, Indiana, but only AFTER they paid off my first mortgage, which was with XXXX Mortgage, without any communication with me at all. I only found out when I received an amended declaration from my homeowners insurance company dated effective XX/XX/XXXX. I do n't think the way this was done, by " stealth '', was legal, so consider this part one of my complaint. 
Then, I applied for modification of my loan with Springleaf three times, and was turned down each time, until I spoke with the man who was in charge of modifications, and told him that since my modification was declined, that I intended to explore legal action about the way my first mortgage was paid off. Magically, I received a call from the same man the next day informing me that aftyer reconsideration, my modification was approved. 
My modification was done XX/XX/XXXX. 
When it was done, I received NOTHING regarding the funds used to pay off XXXX Mortgage ... no Settlement Statement ... nothing at all. In fact, I have NEVER received ANYTHING regarding this payoff. 
My contention is that since funds were advanced to reimburse Springleaf for the payoff of XXXX Mortgage, the modification was actually a cash out refinance loan, and I received no RESPA documents ( settlement statement, etc ) and should have been given a 3 day right of recision, which I was not. 
My loan was transferred to XXXX XXXX XXXX, against whom I have already filed a complaint with you XXXX XXXX # XXXX XXXX, and XXXX is denying any culpability, since they are the servicer and did not actually do the loan. I sent XXXX notice that I wanted to rescind the loan well before the 3 year time limit, and their first response was that the loan was from XX/XX/XXXX and therefore not eligible to rescind, even though the modification was done XX/XX/XXXX 
At any rate, the 2nd part of my complaint is the lack of RESPA and right of recision from Springleaf.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my personal credit report and I found that there were things on my credit that do not belong to me. So i submitted dispute request and nothing has been done yet. I would like this information to be removed from my 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 explanation
Consumer complaint received 10/30/2015 about Credit card () with STATE FARM BANK, FSB (MO).
Issue: Transaction issue

Complaint: On XXXX XXXX, 2015 I ordered XXXX magazines most of which were renewals from XXXX. I have ordered from this company for many years and dealt with a woman named XXXX. When my credit card statement came, I noted that the amount of {$78.00} appeared and it was under the name of XXXX XXXX. The reason I did not question this name instead of XXXX is due to the fact that in XXXX of 2014, I had ordered with XXXX and when my credit card statement came, I immediately called to dispute the charge. When the payment was denied, XXXX from XXXX called me and wanted to know why I had stopped the payment. I told her that I did not recognize the name XXXX. She said that XXXX was now handling their billing for them. I called my credit card company back and explained what had happened and the payment went through and I received my magazines. This year when I did not receive my magazines after XXXX, I called XXXX and left a message. After repeated calls and then e-mails and no response from XXXX, I contacted my credit card company and was told that they could not do anything to help me because it was beyond the 60 day limit that XXXX puts on them. I filed a complaint with the XXXX XXXX XXXX Florida # XXXX and after a month, was told that they had not had a response and that I needed to contact the Attorney General 's office in Florida. They informed me that XXXX had their business license revoked on XXXX XXXX, 2015 since they did not complete the proper paperwork. They told me that the is XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX I have filed a complaint with the Attorney General 's office. They also told me that you can help me get a credit of this money from my credit card company. I think that if my credit card company is correct about XXXX 's 60 day limit, then this type of purchase with renewal of magazine subscriptions would not be an adequate amount of time to allow the consumer to realize whether there was something not appropriate in the purchase. I hope that you can help me with this refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (WA).
Issue: Taking out the loan or lease

Complaint: Chase XXXX continues to report ownership of my XXXX vehicle XXXX XXXX. On XXXX of XX/XX/XXXX I paid the entire debt to Chase for this vehicle, including a fee so Chase would do whatever necessary to have the Washington XXXX XXXX XXXX XXXX ( XXXX ) send me final title to the vehicle. 
On XXXX/XXXX/XX/XX/XXXX I wrote to Chase requesting compliance of their obligation concerning this issue and noting that since XX/XX/XXXX they could had illegally been including my vehicle as part of their assets. On XXXX/XXXX/XX/XX/XXXX they responded with a letter inferring that I had just recently finished and attached some documentation so I could obtain a clean title from XXXX, requiring my time and effort plus payment of additional fees for action that should have been taken by Chase some 10 years ago. The letter did not include the identity and title of the individual responsible for the contents therein.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: We have been attempting to resolve a dispute with XXXX over the inaccuracy of their reporting of payments on our credit report. Their inaccurate reporting is impeding the process of us obtaining financing on a new mortgage for a home that will better meet my wifes needs asshe has become XXXX. Our repeated attempts to resolve this have gone unanswered and we are now in a difficult position. The transaction history provided by XXXX clearly shows that the payments were inaccurately applied, however, they refuse to correct the reporting to the credit reporting agencies. Please help us get this matter corrected on my credit report so that we can proceed with purchasing the home that will better meet my wifes needs. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter in the mail stating that I owed XXXX {$810.00}. The account is under my married name is XXXX. I am divorced and went back to my maiden name which is XXXX. I asked the representative to give me information about the account. She verbally told me the dates of service, name on account, address, and phone number. I asked for validity of the account to be sent to me. The representative stated that she would send the documents for validity and that I would have to fill out documents for an Identity theft victims complaint and affidavit form. I only received the Identity theft victims complaint and affidavit form. I called Afni ( the collection agency ) this evening and I was told a different story about the validity of the collection. I asked for an extension on filing out the Identity theft form and I was told she did not know how to request that but she would document it in the notes. I expressed that I was not paying a bill from XX/XX/2012 that I do not recall and that is why I am requesting validity. She said she would document the statement. This Identity theft form wants me to put a fraud alert on my credit files and file a police report. I am not willing to do this especially when I do not even know anything about this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (DC).
Issue: Trouble during payment process

Complaint: Hello, This is re : Loan XXXX. My account is current. Supporting files are attached to this complaint. 

I scheduled a mortgage payment for XX/XX/XXXX through Freedom Mortgage 's website for {$1000.00} which has been withdrawn from my bank account. I also scheduled through my bank an additional payment onXX/XX/XXXXfor {$160.00} to be applied to principal which was also been withdrawn from my bank account. However, it looks like these payments were misapplied & Freedom Mortgage has no good explanation for why. The mortgage payment of {$1000.00} was scheduled + {$160.00} through my bank with a note that it be applied to the principal. The total should be {$1200.00}. 

However, I saved screen shots from Freedom Mortgage that show that {$860.00} is the mortgage amount that was received ( less than the {$1000.00} that I scheduled ), but that {$160.00} was applied to principal. 

If I read their information correctly, I do not want Freedom Mortgage to miscalculate my payments or attempt to make me delinquent. So I asked them to correct this error and explain why they adjusted my payments to reflect as such, when it appears that they misapplied or redirected my scheduled payments without my authorization. 

I spoke with Freedom Mortgage three times this morning as a final attempt to resolve after, spoke to XXXX different representatives, with no satisfactory resolution -- this was a follow up to me submitting an inquiry about my account via their online automated system on Monday, XX/XX/XXXX. I was told today that a response can take up to " 30 days '' which is a problem for me naturally, since that 's when it seems that a bank will begin considering payments to be delinquent. I allowed until Wednesday, XX/XX/XXXX for a response but Freedom Mortgage has unfortunately not been very responsive to me and has caused me more difficulties and trouble than they need to. 

I am concerned that because they were so unresponsive again in this instance, I will have a recurring problem each time I try to pay my mortgage, resulting in Freedom Mortgage arbitrarily deciding where the money that I responsibly pay towards my mortgage will go as it benefits Freedom Mortgage rather than me, the consumer.

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 07/21/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to get a home modification loan for my home. I have been at this process for months. I have sent in all the correct paperwork at least XXXX. I am told it is not the correct paperwork so I call and get sent to a voice mail, I leave a message, never get a call back. I did get a letter in the mail stating that the information that was requested was never received so the modification was denied. Really!!! How many times does one have to sent the information, leave voice mails and never get replies. I am in danger of losing my home because someone thinks this is joke and its not important or maybe it because I am a XXXX something XXXX male that owns my own business so who ever is handling this case feels I am not worthy of working with. I feel that I have been discriminated against because of my economic status and sex. I have had nothing but problems with this company from day one. The mail they send is out of date, they have lied several times stating one thing and then sending a letter saying the exact opposite. My credit has been destroyed due to the absolute ineptness of the staff the I have had to work with. Its obvious that little training or education is needed to work for this company as they all make up what they feel will sound good so they can get you off the phone or they threaten you with loss of your home and your credit. Greentree needs to be out of business and never service another loan again. This has caused undue stress resulting in medical issues for myself at this point. I can not move on with my life until this issue is taken care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit card () with PAYPAL HOLDINGS INC. (NC).
Issue: Other

Complaint: THERE IS A INQUIRE N MY CREDIT REPORT FROM XXXX/BILL ME LATER THAT I DIDNT MAKE. I HAVE WROTE LETTERS TO XXXX/BILL ME LATER AND THEY HAVE FAILED TO RESPOND TO ANY OF MY REQUESTS

Company response to consumer: Closed with non-monetary relief