milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 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: Public record information inaccurate

Complaint: I purchased a vehicle from a company called XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I paid exactly {$23000.00} CASH in XX/XX/XXXX for an XXXX XXXX. The company at the time unknowing to me was under some type of bankruptcy. I wrote the check out to the car dealership instead of the bank. The car dealership NEVER reported to the bank that I purchased the car in cash, instead they wrote it up as if I was financing the vehicle. I ended up paying the bank the full amount in XX/XX/XXXX just so that they can stop reporting to the credit bureau negative information. It now shows a repossession on my credit. I had to get a lawyer to threaten the dealership to pay me back my money that they took and never paid the bank with. They Finally gave me {$21000.00} back ( not the full amount ) however it shows on my credit report Repossession on all 3 bureaus. 
In conclusion, I purchased a car for {$23000.00} from a car lot. The car lot failed to pay the bank. Instead the car dealer created fraudulent documents stating I financed the vehicle. I obtained a lawyer to file a lawsuit, and the car lot then wrote me a check for {$21000.00}. It shows repo on all 3 credit reporting agencies when it should have never been on my credit because i paid cash for the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: I understand federal law states that financial institutions are mandated to apply the money toward the mortgage balance the day the money is received. 

Facts : I have a mortgage with Wells Fargo. Every other Friday XXXX of my mortgage payment is drafted from my Wells Fargo checking account ( there is no waiting period for the money to transfer from any other institution ). I 've never been late or not had the money in the account when the transfers were made. 

When I refinanced I set the account up to have payments made every two weeks in an effort to help pay the loan off faster. 

Summary : The payments are drafted every other Friday but the first payment is held for 14 days, when the other half of the payment is drafted, before being applied to the mortgage account balance.

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 08/14/2015 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/2013Investor : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX extFHA # XXXXLoan # XXXXPayment $ XXXXInterest Rate 7 % Term XXXX years. 

XXXX XXXX became delinquent in his mortgage due to the illness of his father and required home repairs. 
In the interim XXXX XXXX mortgage changed hands from XXXX XXXX to XXXX, from XXXX to XXXX XXXX. XXXX XXXX was getting notifications from both XXXX and XXXX. He was getting anywhere with XXXX and he went to the XXXX office. At the XXXX office he was given information from XXXX XXXX that he did n't have an FHA mortgage but that it was conventional. XXXX XXXX. I have documentation the original mortgage it is FHA. XXXX XXXX was not offered a loan modification.. I called the XXXX office and spoke to : XXXX XXXX. 
XXXX XXXX is the investor he told me the loan was conventional. I told him the mortgage shows that it is FHA. XX/XX/2013I completed the XXXX, XXXX, crisis budget, XXXX. I called XXXX and spoke to XXXX, and XXXX who transferred me to XXXX in customer service. I explained to her that I could not applied for the proper foreclosure prevention tool for XXXX XXXX, because XXXX had him listed as having a conventional mortgage, when he has an FHA mortgage. XXXX XXXX has been receiving ACT XXXX notices to date he has received XXXX, She began reviewing his closing documents and said that his HUD 1 states that he has an FHA mortgage. XXXX put in the request to change the type of mortgage of conventional back to FHA which was the type at origination. This process will take XXXX days she requested that I call back by Friday to confirm that it was done. 
XX/XX/2013I called XXXX and I spoke to XXXX to verify if the Mortgage type had been changed, I was told the request was misdirected and she had to check what had to be next. there is no work order. She then requested that proof be provided to XXXX that indicated that XXXX XXXX has an FHA mortgage. I asked if the client did not have proof then his type of mortgage would not be changed. I informed them that I will escalate this matter with HUD. He had a repayment plan, and a forbearance agreement which is available to homeowners with Conventional mortgages. He was not offered a partial claim which is only offer to clients who have FHA mortgages. This is predatory lending practices. I called the attorney 's office that is handling the foreclosure for the lender and was told by XXXX that the loan is FHA. I have contacted HUD to verify the type of loan and they said that they can find it. Please look into this matter. The loan type is not suppose to change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sir and/or Madam, Please take a very serious note of the financial stress and issues I am experiencing from XXXX of XXXX to the present, as a result of overcharged taxes by Bayview Loan Servicing, of which I have completely documented with substantiating legal proof to that effect. It is extremely important for legal record purposes, that Consumer Financial Protection Bureau is well informed that all efforts on my part have been exhausted due to Bayview Loan Servicing unprofessional excuses and inability from its staff to problem-solve this matter. As a result this major problem and sub-issues are continuing with bulling treats from XXXX XXXX XXXX regarding an upcoming foreclose to my mortgage. 

The following is a summary about the history of the overcharges and financial crises that XXXX XXXX XXXX has inflicted with discrimination on my finances and ability to meet monthly obligations with mortgage payments and living expenses : On XXXX XXXX I received a called from Bayview Loan Servicing informing me that I had a shortage on my mortgage which would be increase from XXXX XXXX because of tax and insurance. I asked to send a statement that was sent and it shows charges for Tax-XX/XX/XXXX and Tax- XXXX XXXX XXXX for the same amount of {$1200.00} My Tax for XXXX was already paid by XXXX XXXX in my mortgage on XXXX/XXXX/XXXX. I called Bayview Loan and talk to several representative and supervisor that recognize the problem and promise to make correction. Each time I called they tell me to wait 60 days, then 30 days, then a Supervisor told me that she will call me back in 15 days knowing that in 15 days my account would be transfer to XXXX XXXX XXXX XXXX. I have continue to pay my mortgage for {$1000.00}. XXXX XXXX has been taking over my account since XXXX and know about the problem and said that they are looking into it since XXXX XXXX they told me to wait 60 days and still charging me late fees and my escrow account as increase, causing me difficulty in paying my mortgage. I have been calling to solve the problem and a representative said that do n't call back she will call me I have been waiting for over a month and I have n't heard from her but I am receiving calls from the collection department treating me of going into foreclosure. I feel that they are taking advantage and stressing me out for a they XXXX up.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received multiple alerts on XXXX XXXX, 2016, from XXXX and XXXX other services I subscribe to, that a fraudulent application was made to Synchrony Bank, matching my name and social security number. I phoned Synchrony XXXX at XXXX US EST on XXXX XXXX, 2016, and was told by XXXX XXXX that they would mail me a letter for me to sign, to have the fraudulent inquiry removed from my XXXX XXXX credit report. XXXX also told me the following week, that they had requested a letter be mailed to me. As it is almost XXXX month later today, on XXXX XXXX, and I have received no letter, I phoned Synchrony again. The representative in the fraud department amazingly asked me whether I had applied for credit in early XXXX. I told her all of the above, and demanded a letter be sent to me via XXXX. She connected me to her manager, who FLATLY REFUSED TO HELP ME. XXXX, ID Number XXXX, stated to me at XXXX US EST today, XXXX XXXX, that it takes up to 30 days to receive a letter. He refused to send me a letter immediately. This fraudulent inquiry is lowering my credit score, and I am being harmed by the negligence of Synchrony.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Consumer Loan (Installment loan) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Problems when you are unable to pay

Complaint: making payment on time til job loss. making partial payment with agree ment of company every month, company repo vehicle without notice and the vehicle went to unknown location. repo was on XXXX/XXXX/2016. 
also please site for harrassing phone calls two and three times a day at least six days a week, sometimes XXXX right behind the other.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
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: This related to CITI 's refusal to adequately resolve a dispute with XXXX  car rentals for the mechanical breakdown of a car in XXXX on XX/XX/2017, within an hour of receiving the car. The total amount charged was {$2200.00}. I have detailed this matter exhaustively in a complaint to CITI, describing both XXXX 's fraudulent charges, and CITI 's poor handling of the matter. My statement is over 10 pages long and includes 71 pages of supporting documentation. I therefore will attach it all, rather than repeat it here, at the appropriate step. XXXX, who has refused to respond to my efforts to reach them, also has offices in the United States ( an address is provided at the close of my letter ).

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 07-12-2017 about Debt collection (Medical debt) with Patient Accounting Service Center (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had XXXX at XXXX Hospital in XXXX, CA on XX/XX/XXXX. They held the bill as long as they could in house. It went to collections after that & I was making all of my payments as agreed with XXXX XXXX XXXX for a very long time. Once in awhile I was late or forgot, and I would get a notice in the mail. I renegotiated a lower amount & made those payments until my divorce in XX/XX/XXXX. Then I made them as I could after I began working again. According to my records, by XX/XX/XXXX my Balance was down to {$320.00}. On XX/XX/XXXX I called to make a paymnt I would have normally made online, but due to their system issues or something, I was not abel to. I was told via phone by a rep named XXXX my balance was {$14.00}. I was shocked, I questioned, informed that was my balance & I paid it in full. {$14.00}. A few months go by, I am still questioning to myself that something was n't right, so I called at the beginning of XX/XX/XXXX, & left a voice mail. I received a letter dated XX/XX/XXXX from A/R Strat who now has taken over the account ( company took over XXXX XXXX XXXX ) He apologized for their error & now my balance was correct at {$310.00}. Since then I have made XXXX payments via their website, and none of which have been posted to my account. Not even after my complaint call on XX/XX/XXXX, to A/R Strat where I spoke to a rep, who then transferred me to a supervisor named XXXX XXXX She said my balance was still {$310.00}, & I had to send them proof of my payments to have them posted to my account. Needless to say I am XXXX XXXX. I paid {$56.00} on XX/XX/XXXX, {$75.00} on XX/XX/XXXX, & {$100.00} on XX/XX/XXXX leaving a balance due of {$81.00}. To this day they still are not posted to my account. I know this because I went online 2 days ago to make my final payment of the total balance due & low & behold ... the site still shows {$310.00} balance due. I sent XXXX an email with my complaint & it came back auto reply she is out of town & to talk to two other associates. I will be forwarding my emails to them as well. So from XX/XX/XXXX to now my payments are not posted at A/R Strat. Yet I called the hospital XXXX XXXX XXXX on XX/XX/XXXX & they had the same balance I did ... {$81.00}. .... Someone is not doing their job! This ca n't be the only account this is happening to! This has to be corrected & I want an apology and a XXXX balance due letter and I want any and all derogatory information about this account if it is on my credit file history to be corrected! Immediately! This is wrong! I never got any bills from A/R Strat ... only the one letter in XX/XX/XXXX. Nothing else. No phone calls, no email, no usps letters or bills NOTHING! Why??? What kind of monkeys do they have running this circus???

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 03-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I use the Navient online portal to manage my account. All billing is sent to me via email. 
I recently received an email from Navient regarding my account that had been sent to a relative, who 's contact information has never been a part of my loan process. I was confused because I had received no communication myself. The Navient Customer Service Dept. informed me that I had logged into the site and changed the email myself on XXXX/XXXX/16. I tried to explain to Navient that there was not a chance I had changed this information they let me know they had corrected my email and moving forward information would be sent to my proper address. At this point a process was triggered that sent an email to both the corrected email address as well as the incorrect email address, this process did not take place on XXXX/XXXX/16 when my account was incorrectly adjsuted. I am concerned because I did not change the address and my information had been shared with an unauthorized individual. Navient did not address my security concerns with how the email address was changed. The relative who received my email regarding my account had previously held an account with Navient and has a letter stating her account had been paid off dated XXXX/XXXX/16. I do not know if this was a data entry error or if my account has been hacked and my credit card info. and SSN have been compromised. Navient has not provided any information on how this was changed other than accusing me of the change. I am concerned Navient made the change, in error or to gain my attention for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed up for a XXXX account, I did not downgrade but upgraded the account, however when I relocated to XXXX, XXXX from XXXX, XXXX an early termination fee was reported to collection agency which I never signed for. Attached is a copy of my signed contract that was renewed and subsequently upgraded with a phone service. The amount of about {$200.00} dollars now reflects in my credit report, please your intervention is needed.

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 05/17/2017 about Debt collection (Credit card debt) with APPLE RECOVERY, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Over the past 5+ months I have received no personal phone calls from Apple Recovery LLC , although I have received calls and messages from multiple relatives such as m y mother, sister, grandmother, and brother-in-law all stating this company is continually calling and harassing them for information about myself.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are 2 public records from XXXX XXXX XXXX reporting to all 3 credit reports as paid. Under the new law as of XX/XX/XXXX paid judgements, tax liens and public records are to be removed. Docket # XXXX was paid in XX/XX/XXXX. Docket # XXXX was paid in XX/XX/XXXX. I disputed with XXXX and Trans Union to update these items has paid. Please remove these public records from all 3 credit bureaus.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Eagle Accounts Group, Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX put a credit inquiry on my report on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it wouldn't be removed. I did not authorize these inquiries and I would like them removed from my report.

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 08-12-2017 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: Old information reappears or never goes away

Complaint: Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of X/XX/2017 on all three bureaus. -Previous complaint XXXX about XXXX . -Previous complaint XXXX about XXXX . -Previous complaint XXXX about EQUIFAX , INC . They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows. The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Consumer Loan (Vehicle loan) with LENDMARK FINANCIAL SERVICES (NC).
Issue: Managing the loan or lease

Complaint: I have a vehicle loan with Lendmark financial. They call and harass me even if I 'm only one day late on my payment. Literally only 1 day. I was even called at my work place over {$40.00}. I made all of my payment except {$40.00} ( in advance ). And forgot about the remaining {$40.00} since I had paid so much in advance. When they called my job, they was extremely rude to my coworker, who answered the phone. After that incident I wrote a letter requesting that I not be called at any numbers listed on my paperwork any more due to the harassing calls. I requested that any contact be directly through mail. Which is my right. Since writing that letter I have been called several times. I spoke with a manager and that has not resolved anything. When I informed the calling associate of my written requested, I was asked " Why do n't you want us to call you ''. At this point the harassment is out of hand. I am almost ready to just turn my vehicle back into Lendmark to avoid all of their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Medical) with Seattle Service Bureau, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection agency reported XXXX seperate negative accounts, to my XXXX credit report. I have no knowledge or records of such debt. I sent the collection agency a certified letter, requesting validation of the alleged debt, on XXXX/XXXX/2016, to the address reported as Agency Address on my credit report. The letter was returned back to me, as an undeliverable address. I 've also tried contacting by the phone number also included on my credit report, but the line just rings nonstop, never being answered. I contacted the original creditor, XXXX Hospital XXXX, on XXXX/XXXX/2016, trying to figure out any information for these accounts. I spoke with XXXX in the billing department, and she informed me that I have no such accounts or balance amounts, being reported by the collection agency, in their records. She also informed me that National Service Bureau XXXX has never been used for their collection services in general.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Payday loan debt) with Direct Recovery Services, LLC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Leaving harassing messages on my cell phone, work phone and my mother-in-laws phone about a debt I do n't know about. Telling me this is my final chance to resolve this issue. Never received anything in the mail regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: FNBC ( XXXX ) has called me at work and on my cell phone XXXX times back to back in XXXX day telling me I owe XXXX. I asked for a validation letter and the lady told me " I do n't need to do that, you know what you owe and you are a piece of XXXX for not paying it back. I will come to your house and scare the XXXX out of your kids and let them think I am killing you until you pay this back. '' She would not give me her name. I hung up after the threat and that 's when they started calling my job over and over.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation