milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Debt collection (Credit card debt) with Kohn Law Firm S.C. (WI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XXXX   XXXX   2017  I was threatened with contempt  by Kohn Law fi rm  XXXX     2017  I was served with a Garnishment and Demand for person al Information From Kohn Law f irm to My employer  XXXX   XXXX  Kohn Law firm Is attempting to force my employer to Pay my Debt and levy any and all personal Property and is not satisfied  XXXX   XXXX  Kohn Law Firm Demands admission From My employer and threatens Litigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 180 days past due as of XXXX XXXX, XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX to XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in a loan modification program and was not aware that any late payments would appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Phone number XXXX has called my phone repeatedly and asked for a specific person. 
They will not identify who they are, their company name, what the call is in reference to ; they only state, " this is an important business matter ''. 
I called the number back and the recording says " XXXX XXXX, XXXX ''. 
I spoke to an operator and asked for the address of the company, the name of the company, the phone number, names of supervisors, etc. 
The gentleman that answered refused to tell me anything unless I gave him my phone number. 

I believe this is an identity theft scam. The name they have is one that was changed decades ago and only someone that does not really know the circumstances of the name change would continue to use that name.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OH).
Issue: Problems when you are unable to pay

Complaint: My wife and I purchased a XXXX XXXX in XXXX XXXX with Ally Financial holding the lien. We recently experienced severe issues with the car and it is not longer safe to drive. We can not afford to make repairs or payments on the car and XXXX XXXX or XXXX we said to just take the car from the dealership and to we letting them repo the car. We gave all the contact information over. Since that time we have gotten calls everyday demanding we speak to them and they are denying any record of our call about the voluntary repo. 

In addition we had tried to adjust the terms of the loan on multiple occasions and had no luck. Finally we think the van in question is a lemon.

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 08/20/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Thy continue to say that the account thats reporting this is verifying there records are correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
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: Information belongs to someone else

Complaint: XXXX XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Payday loan () with Big Picture Loans, LLC (MD).
Issue: Payment to acct not credited

Complaint: I took out a payday loan from a company called Castle Payday. The deposited {$1300.00} into my account on XXXX/XXXX/2014. Then then withdrew and average of {$330.00} per payment on each of my paydays between the dates of XXXX/XXXX/2014 and XXXX/XXXX/2014. The total amount paid equaled {$3000.00}. Per the my account page on their website I still owe {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THESE ACCOUNTS WHICH LETTERS ARE ATTACHED DO NOT HAVE ANY DELINQUENCIES, PLEASE HELP ME TO CORRECT THEM THROUGH BUREAUS AND ALSO FROM CREDITORS, I HAVE ALREADY RECEIVED LETTERS FROM CREDITORS ( HENCE ATTACHED ) THAT THEY HAVE APPROVED OF THESE LETTERS TO BE INACCURATE AND NEED TO BE REMOVED FROM MY CREDIT REPORTING AGENCIES, BUT BUREAUS ARE NOT WILLING TO COOPERATE PLEASE HAVE THEM TO CORRECT THEIR INACCURACIES. 
THANK YOU

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 01/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband & I applied for a XXXX Loan Modification that was approved in XXXX XXXX with XXXX XXXX XXXX. In XXXX XXXX we had trouble making the monthly payment due to a 2 week lag in pay due to a change in my job. We made a pmt of {$750.00} towards my {$1900.00} pmt by the beginning of XXXX to show good faith. Yet we received a Notice of Intention to Foreclose by XXXX XXXX. Then we made another partial pmt and again received a Notice of Intent to Foreclose the following month with 'legal fee ' of almost {$1000.00} added on. I contacted XXXX almost daily trying to find a way to bring the acct. current but I was told the total amount due including the legal fees were required and they would n't stop the foreclosure process until we paid the full amount including the attached new legal fees. Then they told me they WOULD NOT accept any partial pmts ; this all happened in a 3 month period. Frantic, we borrowed the money from my grandmother & paid the entire amount XXXX demanded. We were very upset at the time that after missing a partial pmt in XXXX, that XXXX would start foreclosure the following month and add on legal fees so quickly but, we felt completely helpless and at the mercy of XXXX. We can admit when wrong and we were wrong by making only the partial payment late but we were trying to make every effort to become current right away and we were trying to make partial payments to show good faith. Once the legal fees were attached, it was becoming impossible to catch up. I will remind you this all took place within a 2-3 months while we were still trying to making partial pmts. Anyway, once we borrowed the money to bring the acct current, we decided to put the whole disaster behind us. 
My problem now and questions are .... In XXXX XXXX sold our mortgage to Greentree XXXX Ditech. We received a letter from Greentree in XXXX XXXX informing us were eligible for the Pay for Performance incentive under XXXX. but then in XXXX XXXX Ditech sent a letter stating after an audit of our account we are actually ineligible for any of the incentives because XXXX told them we were 90+ days late back in XXXX. Ditech has now reversed XXXX credits we 've already received from a different incentive adding {$2000.00} to our principal balance and we are n't eligible for the {$5000.00} credit as well now. I have done some research and understand the incentive to be ineligible if : The borrower misses XXXX consecutive payments following the executions of the XXXX modification. ( That is, XXXX monthly payments are due and un-paid on the last day of the third month ) the, I would be considered ineligible for any of the incentives. We feel like we are being given the run-around and no one will give us straight answers. We were never 90 days pat due with XXXX in XXXX and we feel they were starting foreclosure proceeding very prematurely!!! Can you help?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX of 2015 I was offered XXXX XXXX service at my new house for {$40.00} a month, I was also told that if I was not satisfied I could cancel in 30 days and not be charged. My first bill came in the mail for twice that amount. I immediately canceled because when I called to discuss the disputed amount they refused to honor they 're original {$40.00} price. They said I needed to send the equipment back as well but never gave me a box to do so. I went to a XXXX XXXX store, they refused to give me a box. Eventually, I got XXXX XXXX to send me a box and returned the equipment. Over the course of the next several years, I have continued to receive collection calls and notices stating I owe them money ( currently {$59.00} ) and have repeatedly called XXXX XXXX and discussed the issue with them. They continue to not take responsibility to the miss charge and here we are again. XXXX XXXX has sent the collection to a company called Stellar Recovery Acct. # XXXX ( this time anyway ). I am tired of dealing with this company and obviously do not want it to reflect on my credit score/report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: The Collection Department of my Care Credit Account, issued by Synchrony Bank, contacted me in the afternoon on XXXX XXXX, 2017. They called inorder to inform me of a deliquent pass due amount of {$20.00}, that was carried over from XXXX, was being combined along with a {$38.00} late fee ; as well as, an interest charge of XXXX. I received a few weeks ago, an invoice for the month of XXXX that was dated XXXX XXXX, 2017. On that invoice there was an itemized breakdown of all charges and fees that had accumulated durring the previous billing cycle, as well as, a total minimum payment of {$100.00} due on XXXX XXXX, 2017. However, when adding the late fee of {$38.00}, the interest charge of XXXX, and the carried over {$20.00} balance from the previous month, the total amount only came to {$86.00}. I inquired about the remaining {$13.00}, but the manager on duty was unable to identify the justification for the {$13.00} difference. Furthermore, my copy of the XXXX XXXX, 2017 invoice excluded the appropriation of the {$13.00} remaining difference. I would like to have the {$13.00} charge removed from my {$100.00} minimum payment due on XXXX XXXX, 2017 ... Thank You for your Assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Trying to get onto this XXXX XXXX XXXX XXXX plan has been much more of a headache than it should have been, and my issues still have n't been resolved. When I submitted my materials last XXXX ( 2016 ) and received approval, my loans were transferred from XXXX XXXX to FedLoan. Since then I have called and called trying to get status updates. At first they were n't able to view any of my information for about a month. Then nothing showed up in any paperwork about the XXXX plan. After calling, I was told it could take up to 90 days for it to process and then would be visible on the website, but that it usually does n't take that long. I called after a couple of months had passed, was told by an irritable-sounding employee that it had n't been 90 days yet ( i.e. " Why are you calling? '' ) I called again weeks after ( by my calculation ) 90 days had passed, and was told by an even more irritable sounding employee that it had n't been 90 days yet. A week or two later, I received a billing statement that showed I had made XXXX qualifying payments. I had been expecting something closer to XXXX qualifying payments! I called again today, spoke to another irritated-sounding employee who told me that I only had XXXX qualifying employers listed on file. There should have been XXXX, and I told her that. She told me that the third employer certification had been denied for missing info. I had NEVER received any kind of communication to this effect. She told me I " would be more than welcome '' to resubmit the certification on the third employer. After getting off the phone, I looked up a copy of what I had submitted ; there was no info missing on the application. I called back and spoke to XXXX. Thank XXXX XXXX was a nice, patient employee who actually seemed interested in helping me resolve my problem. He looked everything up and discovered that the third certification just had not been processed. I 'm still not clear as to why, something about it being labelled a " duplicate. '' It was a " duplicate '' because I had originally resubmitted it last XXXX to include some missing info. They apparently just had not considered the corrected form. I wonder if this is something they do often. If I had n't been paying close attention I do n't think this " error '' would have been caught - I never received a denial of my updated certification and I never received a breakdown of what payments would be considered qualifying payments and from which time periods. Anyway, XXXX said he was submitting a request to reconsider the paperwork they had already received and that it should take XXXX10 days to process. I do n't have very high hopes that it will be taken care of without more effort on my part. I am so sick of these student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: First, XXXX XXXX XXXX has admitted to supplying a false address on my credit report and as Experian can tell, was allowed to change the address after verifying the address for months as the XXXX Virginia. I am also including the last statement from XXXX XXXX XXXX that has the account balance as {$0.00} and XXXX XXXX XXXX has itself said that they filled a XXXX forcing me to pay taxes on this account as miscellaneous income. In the case XXXX XXXX, a judge stated that if any company filled a XXXX that they have given up all rights to collect any money on the account since filing a XXXX is not required until the debt is written off so it is the company 's choice when to file. Next, I just noticed that XXXX XXXX XXXX is on my Experian credit report, this account is not only fradulent but XXXX XXXX XXXX gave up all rights to collect on this debt in a settlement that I am attaching with this complaint signed by myself, my representative, and their representative. Lastly, I have no paperwork to send with my complaint that XXXX XXXX is a fradulent account, but I will attach a picture of the only jewelry I have, my wedding ring, and you can ask them if that is the jewelry they are talking about, I guarantee you that it is not since I bought it from XXXX. XXXX XXXX XXXX, XXXX, and XXXX XXXX are all result of fradulent and illegal activities. I AM SAYING THE ENTIRE ACCOUNTS OF THOSE XXXX BANKS LISTED ARE A RESULT OF FRAUD AND I AM SAYING EVERYTHING THEY ARE REPORTING IS WRONG. I put that in all caps since Experian has a hard time figuring out that I am saying all XXXX accounts are completely fradulent and wrong. I know you received my certified letter and I lent what I said, 30 days after you received that letter that I will name Experian in my lawsuit if these XXXX accounts are not removed. Experian is required by law to block fradulent and illegally reported information and Experian has refused to block this information. I am serious and once the paperwork is filed, I will not settle out of court.

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 04/26/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home on XXXX of XXXX. As of XXXX/XXXX/XXXX, Freedom mortgage had acquired the loan. Shortly there after, I noticed the mortgage was not reporting to any of my credit reports. I called in and they told me they had to wait 60 days per law and it would report when that date was up. On XXXX, I again checked my credit reports and noticed the mortgage was still not reporting. I once again called freedom mortgage and they said they do not report until the XXXX of the month. My mortgage would be reported on XXXX XXXX. On XXXX XXXX, I again checked my credit reports and noticed the mortgage was still not showing. I again call and they told me it had been reported but must not be showing yet. I waiting a few weeks and checked again. Still no mortgage reporting. I once again called Freedom mortgage. They now tell me it will not reporting until XXXX XXXX. I am getting the runaround and this needs 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 03/28/2018 about Debt collection (I do not know) with Navient Solutions, LLC. (MA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I was called at my office during the work day where the XXXX XXXX XXXX was connected to a colleague, not myself. 

The debt collector tried to get my colleague to divulge contact information and and place of business contact information. He also asked the individual to find me and tell me that I needed to call and gave their contact number. 

This company also called me 5-7 times in the span of 24 hours, which I consider to be abusive and harassment.

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 09/22/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: APR or interest rate

Complaint: On my Care Credit account I had some promotional purchases with deferred interest for 6 months, which would have 26.99 % interest if not paid off by the end of the promotional period. I also had some purchases with fixed payment reduced APR until paid off. According to my XX/XX/XXXX statement, I had XXXX promotional purchases totaling {$650.00} and XXXX reduced XX/XX/XXXX balances totaling {$1500.00}. I then paid {$1000.00} prior to the XXXX XXXX due date, expecting that this would completely pay off my promotional balances and also make a dent in my reduced APR balance. When I received my XX/XX/XXXX statement, I found that only {$15.00} of my {$1000.00} payment had been allocated to the higher-interest promotional balances, and the rest had been applied the lower-interest balances. I contacted Synchrony Bank by phone and a representative said he was fixing it so the payment would be applied to the promotional balances. He had no explanation for why my payment had been allocated improperly in the first place, other than that this was the way the computer processed it. He had no explanation for why the computer had been programmed to process it this way, or whether this has happened before, or how many other people it has happened to. I request that this be looked into to find out if Synchrony Bank is routinely engaging in this kind of practice to keep customers from paying off promotional balances in time so they can collect the high interest on those balances.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been paid in full since XXXX 2012. There is a zero balance for this paid collection. Please remove it from my credit report.

Company response to consumer: Closed with explanation