milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2017 about Debt collection (Medical) with Professional Recovery Management (KY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: The Medical Office did not file and claim in time with my Insurance company. The debt is not owed per XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The same time last year they my report on 7 of my loans stating I was late over 90 days late and dropped my score over a hundred points. since then my credit was getting on track and here we are again and my report says im behind when im on the forgiveness program and I made sure to call and get a forbearance to keep my account up to date. I can not not let them ruin my credit because of another mistake on their part. I am a single mother of XXXX thats trying to better my credit to get a home but keep doing this and I have no one who can help me fix it. can I file a suit of some kind?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern, I 'm writing to you because my house is being foreclosed on. the sale date to my house is XXXX XXXX is my XXXX modification that ive been on. the XXXX modification was back in XXXX XXXX '. I submitted everything they asked me for. then somewhere along the line my application for the modification got lost thru their cracks. if they can pull recordings and time stamped on documents that I submitted in a timely manner if you may please help me. my contact info. I may be reached any time anytime. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have worked with Equifax for over a year to try and get my credit score from them. I signed up for the {$29.00} a month service to pull my credit and every time I have tried since XXXX XXXX of 2015 it fails. They have also not supplied my credit files companies and cost me buying a boat this XXXX. I have called, faxed, email literately over 100 times. I always get the standard answer " we have to escalate your problem and it will take 7-10 days '' no one ever contacts me and it never fixes anything. They are saying my credit file is too big but I have never had a problem with the other XXXX bureaus. I am hiring a lawyer next being I am being held hostage from seeing my credit and I paying a monthly fee not to see which really sucks! I am attaching a few of the XXXX emails I have to and from them in the last year for proof. Remember this is less then 5 % of the failed emails and case numbers. I have outstanding credit and I being punished for some reason unknown to me by Equifax!

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CT).
Issue: Taking out the loan or lease

Complaint: In XXXX I leased a vehicle from Honda. In XXXX before my 2 year lease was up I lost my job and my home. I did what I had to do and paid for my truck until the date of completion in XXXX. I paid everything I owed and handed in my vehicle and keys. I have been financial stable and back on my feet since XXXX. I am currently in the process of retiring my credit so that I can purchase a home for my children. While reviewing my report I noticed that my account American Honda is listed on my account as " Not in good standing ''. When I requested to have to item removed that delisted it as a charge off further decreasing my score. I would appreciate some help because this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Do n't have any dates or amaounts. Learned about this weeks ago on the news of the credit bureau hack! I was a victim but not sure if any of my personal info was taken. Keep tracking my credit report and if there are any changes like withdrawals. what I did is freezed my credit account and statements as Equifax insisted but this happened months ago and the public did n't know to recently.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received official letter XX/XX/XXXX calls repeating to my number, husband number, sister, and son number. Attempted to set up a payment arrangement on XX/XX/XXXX due to XXXX check comes once a month, spouse has no job due to both of us in car accident XX/XX/XXXX. Company refused to set up payment plan and said it will go to credit report with or without payments made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Chase blocked one of my credit card about two weeks ago stating fraud review. However after I called in and answered questions they said only a specific department can gain access to the account and clear it. They stated they would contact me within 24-48 hours to clear it up but that never happened. I 've followed up three times no one has EVER given me a call. They have since blocked all of my credit cards with Chase. I pay hundreds of annual fees on these cards and the fact that I am not being able to use the cards as advertised is simply unethical. I do n't know what they need but they are not following up on the issue at all. I am currently in Florida in the middle of a hurricane and I have no way to pay for things. This is absolutely a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Commercial Services, Inc (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: National Commercial Services has been harassing me with phone calls and letters claiming they represent XXXX XXXX XXXX XXXX XXXX, and that I have an outstanding balance of {$2000.00} as of XXXX XXXX, 2015. They claim this money is due to an auto accident that happened on XXXX/XXXX/15. I have explained to them that they should contact the insurance company because it was a company vehicle. They insist that they have the right to continue with their tactics, and hang up the phone when I say they are harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: Toyota Financial Services neglected to acknowledge payments made on my vehicle. They will not give my money back nor apply it to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Student loan (Federal student loan servicing) with GRANITE STATE MANAGEMENT & RESOURCES (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For the last 15 months, I have been making payments on my consolidated student loans through Granite State Management. Due to other financial responsibilities, I have had decreased the amount I have been paying ( mine are currently deferred because I am enrolled XXXX XXXX at XXXX XXXX University for XXXX XXXX ). At the start of these 15 months, my payments were exactly what was needed to keep up with interest ( {$170.00} / month ). I have been using the " pay by group '' option to make the interest payments per group. However, GSMR has NOT been applying the correct amounts to the correct loans, despite the " pay by group '' option they allow on their payment website. Some months a loan group will have {$0.00} accrued interest while another will have {$210.00}, despite my paying the full interest amount on the latter the previous month and none on the first! I have called them twice about this, and they simply say to " wait 30-60 for proper processing. '' They have never once processed it per group as I have stipulated, the result of which is that it is impossible for me to keep up with the interest on specific loans at my current payment rate, while other loans get principle payments that I have NOT stipulated! This is beyond irritating and frustrating - it is costing me money! This is NOT acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Taking out the loan or lease

Complaint: I leased a vehicle from a XXXX car dealer on XXXX/XXXX/XXXX. As part of the transaction I returned a XXXX XXXX leased vehicle early. Original lease maturity was XXXX/XXXX/XXXX. As part of the transaction I paid {$2000.00} down and approximately {$2500.00} upon delivery of the new vehicle. Never once did the dealer inform me of any additional charges connected with the transaction. On XXXX/XXXX/XXXX I receive a letter ( see attached ) from Kia Finance demanding {$660.00} additional to satisfy the lease. I called the car dealer and they informed me that they submitted approximately {$1100.00} to Kia Finance. I called Kia Finance to no avail. This appears to be a violation of the Dodd Frank XXXX provision.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (KY).
Issue: Problems when you are unable to pay

Complaint: I am challenging the reported information from your company WEST LAKE FINANCIAL account XXXX the company is reporting a repossession with a balance of XXXX. I state law state I could 've taken possession of my vehicle. I attempted to take possession of my vehicle back before a 30 day period the company never informed me that they had been sold the vehicle and a balance was owed of the car. The law states that the company is to provide me with a copy of the purchase sell of the vehicle this company never provide any document on this vehicle. I am disputing the balance that this company is reporting to my credit report also I am disputing the late payment comment the information that is being reported is incorrect I am seeking validation on the information that your company is reporting to the credit bureaus. I will be seeking Legal advise if this matter is not correct or remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My loan was a XXXX XXXX loan and was a 10 year interest only. I have been trying to modify since this loan was serviced by Aurora. It was then transferred to Nationstar. So I have been trying since 2011. They have now added the principle and the amount is too high for me to afford and the last denial stated I was denied because I was current with my loan and that I have sufficient income and assets. This is far from the truth. They added almost a XXXX to my payment to include this as principle. So now my payment is like XXXX. My take home pay is XXXX, The money I have in the bank is what I owe now that I am behind since XXXX and I have been saving so I can make at least XXXX payment. If I was modified at the time or any time prior to adding the principal I would not have fallen behind. If you look at my payment history, I have fallen behind and shows that I have been struggling for awhile to keep my payments. I even got help from Keep Your Home California with the reinstatement but NO modification. I am not asking for a free home but I just want something I can afford. My wife takes home about XXXX and we have XXXX child XXXX years old. This is our community and where my son grew up. I need your assistance with XXXX XXXX and Nationstar. The only assets I have is in a retirement account and they are using that against me. What will I do when I do retire?

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Payday loan () with Green Trust Cash, LLC (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a {$300.00} loan with Green Trust Cash, not realizing the heavy load it would burden me, but also coming to realize these loan are illegal in the state I work ( XXXX ) and the state I reside ( XXXX ). I have to this date paid back a total of {$860.00}. The total interest on the loan is 669.75 %. I have written to the company revoking them from taking ACH debits from my account. They acknowledged they would stop taking the debits, but want me to pay off the balance. I am unable to keep drowning in this illegal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XX/XX/XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX XXXX remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX ... FREEDOM MORTGAGE*** THIS COMPLAINT IS AGAINST A SPECIFIC INDIVIDUAL FOR NUMEROUS CRIMINAL ACTS ... WE HAVE EVIDENCE IN WRITING*** XXXX XXXX IS GUILTY OF CRIMINAL CONVERSION, RACKETEERING, EMBEZZLEMENT, LOAN FRAUD, ATTEMPTED GRAND THEFT, MORE WHILE INSTRUCTING NUMEROUS INDIVIDUALS BELOW HER TO COMMIT CRIME IN A CRIMINAL SCAM DEFRAUDING THE ELDERLY, MINORITIES AND THE LESS EDUCATED. 

FREEDOM MORTGAGE COMMITTED LOAN FRAUD WHEN THEY ISSUED THE LOAN. THEY VIOLATED COUNTLESS STATE AND FEDERAL LAWS ON LOAN DISCLOSURE AND CRIMINAL FRAUD. THEY HAVE CONFIRMED LOAN FRAUD BUT THEY HAVE KEPT THE ILLEGALLY OBTAINED FUNDS. 

XXXX XXXX ALSO SUPERVISED AND COVERED UP EMBELLZEMENT WHILE INSTRUCTING OTHERS TO TRY AND STEAL A HOME ILLEGALLY. SHE ALSO INSTRUCTED OTHERS TO COMMIT LOAN SERVICING FRAUD. 

THE LOAN FRAUD IS DOCUMENTED IN THE CLOSING DOCUMENTS FOR THIS LOAN THE EMBEZZLEMENT IS IN WRITING AND CONFIRMED BY XXXX XXXX THE LOAN SERVICING FRAUD IS IN WRITING AND CONFIRMED BY XXXX XXXX IN ADDITION, XXXX XXXX SOLD THIS LOAN TO XXXX AND WE NEVER SIGNED OR AGREED TO THEIR ABA ( AFFILIATED BUSINESS AGREEMENT ) SO THIS IS ALSO A VIOLATION OF STATE AND FEDERAL DISCLOSURE FREEDOM MORTGAGE RECEIVED COMPLAINTS PRIOR BUT DID NOT ANSWER THEM. THEIR CUSTOMER SERVICE IS A FRAUD. 

THE BANKS HAVE ABSOLUTLEY NO FEAR OF THE CFPB. THEY THINK THE CFPB IS A JOKE. YOU NEED TO MAKE A STATEMENT AND PROSECUTE THESE CRIMINAL ACTS. THERE ARE THOUSANDS OF VICTIMS AND BILLIONS IN LOST ASSETS ILLEGALLY SEIZED BY THESE CRIMINAL XXXX ALREADY ... WITH MORE ATTEMPTED THEFT AS WE SPEAK.

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 06/28/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX has sent correspondence that they are neither lender or servicer of our mortgage. Per Select Portfolio the original note was either destroyed or mutilated. We have continuously asked how to determine the true lender. That request has fallen on deft ears. Based on the documentation received regarding our home located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas XXXX we feel SPS is trying to steal our home. Per Arkansas law the lender is required to provide the name and address to where the original note is held. Select Portfolio is unable to produce such document as the original note has either been " destroyed or mutilated ''. What ORGINAL documentation is being used to determine that XXXX XXXX had the legal right to initiate collection/foreclosure procedures?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with P&B Capital Group, LLC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Harassing phone calls asking for me and giving out my SSI # There are other people in next to the one calling and they are laughing in the background, if you do n't do anything to stop them I will contact my lawyer, the name of the company is P & B Capital group there has been over 50 lawsuits and still nothing has been done to stop the calls. What are you going to do about it? Call keep coming in few times per week last call on XXXX.18 at XXXX est.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (MA).
Issue: Settlement process and costs

Complaint: Was contacted by my mortgage company, who offered to lower my interest rate at no cost to me. After a couple of phone calls, I realized I was actually " re-financing '' my mortgage, not just lowering my current interest rate. I felt this was very deceptive. The first person I spoke to sent me to another person who said she would be my point of contact through out the process. This did n't happen. At every step of the way I was given another " contact '' who would be with me " through out the process ''. After explaining to several " contacts '' that I did not want to finance more than my current principal balance I received my first closing disclosure. This doc was incorrect because they added money to the principal, which I had already explained to several of my " contacts '' I would rather pay for than finance. I was told the docs would be fixed. They then showed up at the closing with the wrong version of the docs. The closing did n't happen. A second closing was scheduled. Another set of closing disclosure docs were prepared. These docs added even more money to the principal which I explained again to my newest " contact '' was n't acceptable to me. After spending 45 mins on the phone with my latest " Contact '', I thought I had finally made the point that I was trying to make all along. I wanted to only finance what my current principal balance was, and would pay for the additional moneys required to payoff the current loan. I was told this would be the interest amount from the XXXX of the month to the date of closing. They would still pay all closing costs. Second disclosures showed up. Once again incorrect. I was told to keep my scheduled closing date as a new set of docs would be drawn up in time for this closing. I never received this third version until the actual day of the closing and yet again the principal amount was now even more. 
I am now stuck. If I do n't close I 'm going to have late fees for missed mortgage payments. The missed payments were because my " contact '' told me not to pay them as they would be taken care of once the new loan was closed, which did n't happen. The aggravation of having to explain myself over and over to many different " contacts '' and none of them actually doing it the way I wanted makes me feel like they are trying to scam me out more money than necessary. I do n't want to close this loan but I am now on the hook for late fees. So either way, the 're getting more money out of me than was necessary.

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 08-02-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I repeatedly asked for verification of this debt to prove that it was indeed mine. I have net received any proof that this is my debt. All that is sent to me is a previous bill that was issued. Once a fraudulent account is open of course there will be a bill generated that dies not provide verification that the debt is valid. Please delete from all credit reporting agencies at once and stop violating my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I obtain a copy of my credit report and notice and noticed both credit reporting agencies are reporting wrong inquiries on my report. XXXX and Equifax have not cleared the inquiries or wrote me. To tell do the room.

Company response to consumer: Closed with explanation