milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/23/2017 about Debt collection (Other debt) with Hindman Sanchez P.C. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I would like to add some information to my already opened case #  XXXX . We got a few days ago a document from the court, which was held 20 days ago. About this court nobody inform us. Collection agency urge us to set up the payment plan. How we could set up the plan, when  XXXX   XXXX  still counting late fees twice a month, after they put us under collection more than 2 years ago? Follow their rules, if they are getting regular payment by  XXXX  of each month, never will be any late fees. Follow our attachment it 's not seems like that. To get last statements through  XXXX   XXXX  we could n't because it accessible only to administration. Resent paperwork we got through  XXXX   XXXX  lawyer office. Since  XXXX / XXXX / 2015  we paid to  XXXX   XXXX  {$6500.00}. Our money somewhere lost follow our attachments. We are sending all our payments on time, but on court paper was n't noted. They showed only their processing fee in amount of {$1200.00} which was illegally stolen from our bank 's account. We would like to correct our debt amount through  XXXX   XXXX  first, and then to set up the payment plan through collection agency. When I visited  XXXX   XXXX  administration, I did n't get information, because they said it 's going through computer, and nobody could correct it.  XXXX   XXXX  cheated on residents with their service fees. If nothing will change, we 'll collect signatures from our residents regarding poor serv ice. The street near ou r house very damaged for a few years and anyone could turn the neck by walking.  XXXX   XXXX  sleeping in a darkness at night time, because just a few lights are working in the streets. Question : Resident! Pay huge money for poor service, and wait until our pockets will be full to do any better service.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax deleted a positive trade-line on my bureau report prematurely. I have made several attempts to contact XXXX Equifax and the original creditor about reinstating the trade-line several times. Each entity claims there is nothing they can do on their end and blames the other for the issue. I have spent countless hours trying to resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: on XX/XX/XXXX and XX/XX/XXXX I CONTACTED Equifax, XXXX, & XXXX in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (Auto) with CREDIT ACCEPTANCE CORPORATION (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On Saturday XX/XX/2017 I received multiple phone calls from Credit Acceptance in an attempt to collect the debt I owed them. They called at XXXX, XXXX and XXXX. When I called to ask them to stop calling I was told that they would continue to call until I set up a payment plan. This is n't the first time they 've harassed me and it is n't the first time I 've asked them to stop.

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 10/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I deposited a check into my account which I was under the assumption was fine. After the check was accepted by the ATM machine and it completed the deposit and gave me a receipt. Later I received and Email from Bank of America stating there was some suspicious activity with my account. I was unable to get in touch with the bank that day after several tries. the next day i went to loo at my bank account to see if i could figure out the problem through my mobile app and it said that my account was locked. Once again I called the bank and was told that the check was counterfeit. I told them I was unaware of that fact. I never received any of the funds nor spent any of the money considering that I was not intentionally attempting to defraud the bank. I have had the account for a year and never bounced a check or anything of the sort. Bank of America then told me they were closing my account and that was the end of it because they reserve the right to close any account at any time. What really got me was then they said they reported me to XXXX and I would not be able to open another bank account anywhere for 5 years which as a XXXX year old person not to have a bank account in this day and age is unbelievable. I 've also received two letters from the bank stating the closure of my account but have n't received a check for the that was in account before the deposit.

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 12/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conns will continue to call repeatedly even if payment made during grace period and even if we tell them payment will be made. It is extremely harassing and I will absolutely never purchase another item from them because of this reason alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: I went in person, to open a new account with US HSBC. They had a promotion for opening a new HSBC Choice Checking, Advance, or Premier Checking Account. It was explained to me, you would receive a {$350.00} bonus if you signed up. They did not inform me of any other obligations nor did I had to sign off on any terms. I went ahead and signed up, and never received my bonus. When I complained, Customer Service informed me later there is an obligation to get that bonus. But it was never in writing, so I wish to issue a complaint about the bank. This is false advertisement on their part and do not want this to happen to others too.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Debt collection (I do not know) with Enerson Law, LLC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Original Creditor : XXXX Debt Owner : XXXX XXXX XXXX Debt Collector : Enerson Law, LLC Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016

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
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient is incorrectly reporting loan lates. Forbearance/Deferrements were granted in the past, and on my credit reports, I am noticing late payments cited on the following months : XXXX - 90 days late ( Under Forbearance, no payment made, no prior lates noted and suddenly a 90 day late mark, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - 120 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting, loan was with XXXX XXXX ) XXXX - XXXX - ( No reporting whatsoever, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, inaccurate reporting ) XXXX - 90 days late ( Under Forebearance, note, no payment made, in forbearance status, no prior lates reported, inaccurate reporting ) XXXX - 120 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 150 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - 180 days late ( Under Forebearance, note no payment made, in forbearance status, inaccurate reporting ) XXXX - XXXX - No loans reported at all XXXX - 90 days late, In Loan Rehab - Inaccurate reporting XXXX - 120 days late, in loan rehab, inaccurate reporting XXXX - 150 days late, in loan rehab, inaccurate reporting XXXX - 180 days late, in loan rehab, inaccurate reporting XXXX - XXXX - Accurately reporting in rehab status XXXX - Present, no loan reporting, current in deferrment, enrolled in school, starting XXXX. Also, inaccurate reporting. 

Due to these countless inaccuracies, I have formally requested in writing from Navient to remove these late marks, and correct these marks that are causing me financial harm. I requested them to initially correct these errors, and was told they had not made any mistakes, and that the FCRA act denies them the ability to make these changes. This is factually incorrect, on multiple levels. 

Please assist me in recovery of the damage this has caused my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 wrote a letter to this company dated XX/XX/XXXX to request for investigation with regards to a XXXX XXXX account reported in my file. Then I wrote a letter to XXXX  XXXX date XX/XX/XXXX. XXXX responded that they investigated the account and that this verified correct and valid WITHOUT any validation documents ( i.g. bill/statement, proof that alleged account was assigned to them etc.) that will prove the validity of this account. This company cannot even tell me when was the date of service which on their letter shows "XX/XX/XXXX". Their response is unacceptable and unlawful, so is this credit repository's response and not removing an UNVALIDATED item is a violation of FCRA. Attached is XXXX letter, copies of the letters sent to this credit repository and to medicredit.

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 04/22/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (TX).
Issue: Managing the loan or lease

Complaint: We paid the last payment ( XXXX/XXXX/XXXX ) on our Hyundai Finance Account for our XXXX Elantra. We have made at least 3 calls to find out where our title ( lien release ) is. The customer service person said they sent it to our old address, which has been off our billing paperwork since XX/XX/XXXX. I asked Hyundai to re-mail the paperwork to the correct address. ( which I gave them ) I am still waiting for my lien release and our overpayment taken from our bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated top of my class from the XXXX, XXXX XXXX XXXX XXXX, XXXX, 2012. I heard recently about the lawsuit against XXXX under Predatory loan coercion.from CFPB. The XXXX XXXX has been shut down. Even though they promised job placement in XXXX, I never received it through them. I 'm having a hard time making my loan payments because I do n't have a full-time XXXX job. I did get a delay in my XXXX payments, but now they are charging me more interest for this delay.which they did not stipulate I still owe over {$9000.00}. in loans through XXXX and XXXX loan programs. I started out owing over {$18000.00}. to XXXX so I have been earnest in in my responsibility to pay this debt. 
Is there anyway I can receive loan forgiveness or reduction from this lawsuit? I would like to know my options for a XXXX Discharge for XXXX misrepresentation of their job placement promises. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My name is XXXX XXXX and on XXXX XXXX of 2016 I filed a dispute with Transunion after spotting inaccuracies on my credit report for a collection by the name of XXXX account number XXXX. After receiving the results from Transunion that they verified the collection I reached out to the collection agency with a validation letter and never received a response from them. So once again I sent another dispute to Transunion on XXXX XXXX 2016 with proof the collection agency had received my letter and never responded, Transunion yet again verified this inaccurate medical collection. Transunion 's refusal to properly investigate is a violation of the FCRA and FACTA.

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 08-09-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX to XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 03/28/2017 about Consumer Loan (Vehicle lease) with VW Credit (NJ).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX I leased a XX/XX/XXXX diesel Volkswagen from XXXX Volkswagen dealership in XXXX, New Jersey. I chose the car because it was advertised as " clean diesel '' which turned out to be lie. In XX/XX/XXXX, the court approved Volkswagen terms to compensate the owners as well as those who are leasing. I decided to end my lease as per the agreement approved by the court. The car was returned to XXXX Volkswagen dealership on XX/XX/XXXX. My last payment was made on XX/XX/XXXX, which was for the month of XX/XX/XXXX. I also received a check from Volkswagen as per the court agreement to compensate early termination lessee. To my surprise, I continued to receive payment statement from Volkswagen. I reached out to them on XX/XX/XXXX and spoke to XXXX who then transferred me to a representative by the name of XXXX. I informed both of them that my transaction was completed and gave provided the claim number that shows that I returned the car. On XX/XX/XXXX, I reached out to the company again because I received a notice that threatened to report the late payment to credit bureaus. I explained to them this must be a joke because I made all necessary payments and the car was returned to them. The representative and the manager whose name is XXXX said they were going to look into it. Once again, I continued to receive payment statements and Notice of Default and right to Cure New Jersey. This is bullying tactics by a company who is attempting to victimize and defraud me twice. They are attempting to ruin my credit because I chose an early lease termination.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Navy Federal Credit Union allowed for a credit card to be opened in my name fraudulently. I have contacted Navy Federal Credit Union,  XXXX ,  XXXX , and   XXXX   and made them aware that this account was opened in my name fraudulently and I have not been assisted. I was the victim of identity theft and I have over the past several years had accounts opened in my name fraudulently using my correct personal information, and this account is one of them. I have written to Navy Federal Credit Union about this matter, but they continue to hold me liable for an account that was opened in my name fraudulently. I have received no assistance at all from NFCU in getting the account closed out of my name and off of my credit reports. When I have tried to call in about the accounts I have received no assistance at all. The partial account number is  XXXX   XXXX / XXXX /2017 credit limit {$24000.00} is what shows on my credit report. This is not my account and is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (FHA mortgage) with Siwell Inc (CA).
Issue: Application, originator, mortgage broker

Complaint: Capital Mortgage received a payoff request on XXXX XXXX from XXXX XXXX and did not process my request until XXXX XXXX causing additional cost to my loan. 
I 'm not sure why it took Capital until XXXX XXXX to process my payoff request when it was submitted on XXXX XXXX with my authorization. The additional prepaid interest cost on my loan is {$1100.00} as opposed to {$57.00} if I had closed on XXXX XXXX as planned. Now I have to close an FHA loan in the middle of the month. XXXX XXXX XXXX has generously offered to pay for my interest owed to Capital Mortgage until they can pay loan off. Capital Mortgage should be responsible for charge applied to my loan for missing the payoff deadline of 10 days. 

In addition, Capital Mortgage charged me an extra 2 months of PMI of which they have credited now however If I did n't call this out they probably would not have credited me the amount of {$350.00} x XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On or about XXXX XXXX, 2016 I contacted the Experian XXXX CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.

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 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Access Capital Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: So ive tried working out a settlement with this company and they say they cant settle do to the company still owing this dept and they can charge big amount of intrest on a dept that was written off to them ... they call me with out trying to work with me they just say that I have to pay XXXX and it just keeps on adding intrest on a collection that 5 years old.. it was XXXX and its XXXX ... We have attempted contact with XXXX with no response. ACS is not a debt buyer. This debt is still owned by XXXX. The account was assigned on XX/XX/2011 for {$350.00}. After 5 years the interest is {$200.00} for a total of {$560.00}. If we would receive a response to our attempts to contact, the interested could be reduced upon agreement for payment. We have never received a response after 5 years, 3 letters, & 6 messages. this a lie because ive tried contacting them and working something out and they wont work with me on a consolidation of dept ... they say they do n't work with cfpb.

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 03-01-2016 about Debt collection (Federal student loan) with Texas Guaranteed (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Loan went into default after illness. Contact mailings about default were sent to old addresses and discontinued phone numbers. Four years later finally contacted present address. I suffer from XXXX. In and out of XXXX ; spotty work record. My mother offered to pay off the debt by collection agency will not allow full payment ; will not allow reduced fee. Collection agency will not mail the questionnaire for payment plan- insists on phone call only, mentally I can not handle that type of interrogation. I just need them to stop harassing me. Threatening me with garnishment when I just now got a job. I am homeless most of the time. The stress of the threats causes me to lose my jobs. I can only work about XXXX hours a week XXXX. I want help just paying off what is fair and making them put their offers in writing- I ca n't handle talking to people. My mother is will to help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief