milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2016 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (NJ).
Issue: Managing the loan or lease

Complaint: I received two thirty day lates on all XXXX of my credit reports back in XXXX XXXX, and XXXX XXXX, from BMW Financial Services. I have been trying for almost a year to get these lates off my credit reports, because the payments were made on time, and I have documentation to prove they were paid on time. I have sent this information to BMW and to the XXXX credit bureaus as well. BMW has insisted these payments were late, but they have never shown me any proof, they received them late, even with the supporting documentation. My bank has informed me, that it was likely BMW received the payments on time, because the payments were made via electronic transfer. Because BMW has not shown any proof of the EXACT date they received the payments I believe the information they are providing the credit bureaus is Questionable or Possibly Inaccurate and should be removed from my credit reports. BMW has received many Goodwill letters from me, but has been totally uncooperative in all respects. I have even had automatic payments drafted from my bank since these incidences have occurred, but they have refused every attempt I have made to correct the situation, even though the payments were not made late to begin with. I have nver been late with any payment in my life, and I believe BMW 's late are giving a totally false representation of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient ( at the time known as XXXX ) defrauded me in XX/XX/XXXX-XX/XX/XXXX by paying off my student loan counselor ( trips, gifts, etc ) to steer me away from grants and work study and into subsidized loans. The counselors and XXXX were caught and punished but the money was already spent on school. 
I 've tried to get help for this for years. No one gives a XXXX until you folks sued them. 
Worst part was after I completed XXXX school in XX/XX/XXXX I went to XXXX XXXX to start my career and was blindsided by XXXX issues. XXXX did n't care and within 3 years of me being in and out of recovery, my XXXX loans were now XXXX. 
This is a scam. I 've probably paid off the original loans amount only to be here, 20 years later with XXXX in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX XXXX XXXX HIRED CAVALRY TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXXXXXXcredit Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX These are all inquires that I did not give any consent to. 
Called XXXX and XXXX and they both told me I would have to call each creditor individually. When calling the creditors, they tell me to call the credit bureau. It is an never ending cycle.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 05-02-2017 about Debt collection (Other debt) with Receivable Collection Services, LLC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX / XXXX / XXXX  contacted the company regarding hyperinflation of debt. Collector states amount owed is  XXXX  and additional fees ( undisclosed as to where or what these fees are  XXXX   XXXX . When I asked why the balance so much higher than what I had previously been billed. They lied and stated I did not properly cancel my account. I informed them I have proof and that I spoke with a representative at  XXXX   XXXX  by the name of  XXXX   XXXX . The collection representative refused to listen to my concerns, would not allow me to defend my debt nor offer me solutions to obtain data to correct the amount. She constantly spoke over me in a rude tone and belittled me if not chastised me for having an account in collections. The last statement I received on  XXXX / XXXX / XXXX  via email notified me of outstanding balance due to  XXXX   XXXX  in the amount of {$100.00}. I feel that this was a method to fraudulently obtain additional funds from me through coercion

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted my current mortgage servicer, Seterus , Inc. to make payments on my mortgage account. However, after more than a week, Seterus. Inc did not process the payments and the amount remained in my bank account. I called Seterus, Inc. again to inquire about why the payment was not processed. They told me to contact the bank because it did posted to the account. When I called the bank, the bank informed me that Seterus, Inc made no effort to process the payment through my account. In the interim, I received a notice of default for my mortgage. Another attempt was made to process the payment through a different account. I decided to close my checking account and resend the payment ( XXXX XXXX XXXX ), but allow it to come out of my savings account instead. Without my personal authorization, this payment was some how rejected, as well. Nonetheless, I made another attempt to process my mortgage payment, but this time from a totally different account. Although, Seterus, Inc is agreeing to accept my payments and providing me with a confirmation numbers, Seterus, Inc. is not processing the payments. Although, I have made several attempts to make mortgage payments to Seterus, Inc., if payments are not properly posted to the account, additional interest and fees are accumulate, raising the balance on my mortgage. Furthermore, even though numerous efforts have been made to make payments on my mortgage account, Seterus , Inc, is trying to force my loan into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow-up to claim # XXXX which I have just disputed. However, in an effort to further clarify my previous message which stated the following : " The second proprietary lease has been forwarded to XXXX '' who confirmed receipt. Per your letter and XXXX you were to send me back one of the proprietary leases along with the stock certificate. 

I do not understand what game are you and XXXX playing with me. I have been dealing with this issue for almost two years now which seems like a bad dream I ca n't wait to wake up from.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 'm not sure what 's going on. I 've been submitting disputes to the credit bureaus for the past eight months. They do not respond to me and are obviously not initiating my disputes. I 'm not sure what 's going on. I KNOW these accounts that are reporting are inaccurate. I 'm just trying to express my rights as a protected consumer and ask the credit bureaus to investigate. Why are you not investigating my disputes? Can you legally just ignore my request like that? I 've also tried disputing with the collection agencies asking them to send me a medical release form because i 'm more than 100 % sure i 've never given them permission or access to my personal medical information. I 've spoken to a consumer right 's attorney and he 's telling me that i have a case, do i? I 'm asking the credit bureaus to please investigate these inaccuracies. This is causing me major stress. These collection agencies do not have my permission to have my medical information, PLEASE remove!!! 



XXXX Opened XX/XX/XXXX {$1300.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$850.00} Original creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Rec Opened XX/XX/XXXX + {$100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Rec Opened XXXX XXXX, XXXX + {$500.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Rec Opened XX/XX/XXXX + {$310.00} Original creditor : XXXX XXXX XXXX XXXX Tele Rec Opened XX/XX/XXXX + {$290.00} Original creditor : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company is knowingly reporting incorrect amount of balance owed. Supervisor of collections account has been told many times and shown proof of amount that is owed and refuses to update account and continues to increase amount of balance owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Medical) with Budget Control Services, Inc. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Had an appointment with XXXX XXXX and was told my insurance covered all work done on that visit. I received a bill for XXXX {$170.00} and continued to dispute with XXXX XXXX. Spoke with a representative at corporate and they were supposed to contact my insurance company and get back to me. Today on XXXX/XXXX/2015 I received a call from a XXXX party debt collector, Budget Control Services. From there I called XXXX XXXX and they are looking back into it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Managing the loan or lease

Complaint: I had a loan with Santander USA and paid off the car. I have an overpayment of {$350.00} and I 've been waiting since XXXX for my refund. Each time I call, I get a different answer on when I will receive my refund. The employees are extremely rude and condescending. I made every payment on time and I am getting treated like dirt now. I am not even sure they were applying my payments correctly for the last 5 years. The customer service says that the accounting department does not have phones so I ca n't request a breakdown of payments made. This company is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: I have submitted multiple complaints and select portfolio refuses to address them- they have not provided legal standing to foreclose they have produced false documentation of which I have provided proof that they have forged documents - on XX/XX/XXXX compl # XXXX I provided information that they falsified a deed as well as a California Acknowledgment they still have refused to answers this complaint. Why wo n't they answer this complaint. I also submitted on XX/XX/XXXX and on XX/XX/XXXX # s XXXX and XXXX both complaints were also not addressed they simply provided the same documentation on both complaints however that documentation does NOT answer any of my concerns or complaints they are threatening foreclosure and do not have legal standing- they need to answer why they have falsified documents and produced a fake California acknowledgment they need to redact the foreclosure immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a voicemail on Thursday from XXXX in fraud services. I called back with the extension she left on Thursday, Friday and Monday and left a message. No return. Today I called and left a message at a different extension for XXXX XXXX and no return call. The account is fraudulent and no surprise I have such a hard time getting info from them when they can not return the call. They have not provided me any validation with my signature after multiple requests through certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit card () with JPMORGAN CHASE & CO. (KS).
Issue: Other

Complaint: I had used Chase credit cards since I was XXXX years old, always paying them in full. I had identity theft in XXXX XXXX, 2014 and from then on, I was issued the XXXX cards that I use more frequently with chips in them. XXXX was a Chase Freedom and the other was a Chase XXXX XXXX. Shortly after I would receive the card, there would be a charge in XXXX XXXX, California for a nominal amount and an alert sent to me to contact them if this was not my charge, so I would. But, I had all kinds of surrounding situational stress re : my ability to check cards online and other issues related to both the identity theft ( which happened through an exposed apple id keychain which had bank account passwords ... .there were subsequently transfers from my accounts of {$66000.00} XXXX. So, there were two times in which I thought I had lost the card and it was replaced, but XXXX did n't have a chip and the next XXXX did. And, they would consistently have these charges for several dollars XXXX. 

I wo n't get into the reasons as they are related, but I had to go XXXX to be able to do any work online ( leave my home workspace and this ISP ) and my mailbox with the card I had requested a month ago and never received was then vandalized. When I returned and this card finally showed up XXXX I 'm presuming due to mail cover XXXX it had the same XXXX XXXX charges and it did have the chip. I finally just terminated the card, but I now can not get any credit card from Chase. And, I have had the Chase XXXX XXXX card and paid in good standing now for 18 months yet they do n't report this XXXX as an open line of credit in good standing. Because of all of this and being advised to close open credit cards after the identity theft, my XXXX has gone from XXXX to now below XXXX and I can not get a credit card for Chase or practically anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a car loan through XXXX XXXX in XX/XX/XXXX. They told me my payment would be {$200.00} per month. Once I started making payments, they informed me that the {$200.00} payment was bi-weekly, not monthly. I made all payments on time until XX/XX/XXXX, when I could no longer afford the make the payments. I voluntarily returned the car to the dealership and notified them that the car was in their possession. XXXX then ran a credit check on me, which I did not authorize. They call me 3 - 4 times daily, trying to get me to come pick up the car and continue making payments. I can not afford to. I realize this will damage my credit, but I did not authorize them to do a credit check on me and I was completely honest with them.

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 06/21/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: false advertisement!!! Open a new account in late XXXX and got approved 2 days later with {$250.00} bonus confirmed in the email ( attached ). I met all the requirements for the signup bonus. Ive also sent in the signature form and waited the 45 days as they requested. Sent a message online via message center and told me that I will receive a response within 14 business days. However, now it has been 20 days, I havent gotten the bonus still and no mail at all. Account number XXXX

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 05-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Service Company, INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received multiple calls asking for a person that I do not know. I have told the company to stop calling me and leaving me messages but they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS AND TAX LIEN APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX

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 07/18/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I went to Chase Bank at   XXXX   XXXX   XXXX   Branch  XXXX  on  XXXX / XXXX /2017 I deposited a Cashier 's check in the amount of {$6000.00} and my receipt had a " hold '' for that amount till  XXXX / XXXX /2017.
I spoke with the teller and then the supervisor, explaining to them that they can not put a hold on a cashier 's check because it is the equivalent of cash. This was from   XXXX   XXXX   XXXX  , not some obscure bank in  XXXX . Both said they could n't do anything about it.
I think they did n't care to do anything because it was a Saturday and I had about {$54.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I have a joint checking account with TD Bank. The other person on the account cashed a check without my authorization. When I called TD Bank I was also told that the other person can take all of the money out and close the joint account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (TN).
Issue: Settlement process and costs

Complaint: I recently sold my home at XXXX XXXX, Washington MI XXXX & paid off my LoadDepot mortgage. 
I refinanced my home with LoanDepot in XX/XX/XXXX. I contacted LoanDepot in the summer of XX/XX/XXXX when I received notice from HUD that during my refinance, their title company FNTitle, missed a lien on my property for {$37000.00} filed in XX/XX/XXXX when I went through a modification. HUD demanded payment in full. XXXX advised this lien was forgiven when I contacted then for a payoff to refinance. XXXX advised since I had made my payments on time for a minimum of XXXX years, HUD had forgiven the portion set aside. The HUD representative I dealt with, advised XXXX had been telling everyone the same thing. XXXX did not disclose the lien on LoanDepot 's closing statement. Both these actions made me believe I did not owe this money. I sold my home in XX/XX/XXXX, and was also surprised that XXXX company missed XXXX {$15000.00} lien filed in XX/XX/XXXX by my ex husband, XXXX XXXX My ex had told me he wrote this debt off but obviously did not as I had to pay THAT LIEN as well when I closed on my sale of my XXXX home. Had either of these liens been disclosed or acknowledged by me, on the closing statement, I would not have completed any refinance on my home with LoanDepot or any other company. Needless to say, I would not have QUALIFIED for any refinance had these debts beed discovered and/or disclosed. I paid LoanDepot, {$7300.00} to refinance my home for which I did not qualify. This amount included {$860.00} for a title search to their title company for which I was not named as an insured! I also paid an attorney {$970.00} to try and fight the HUD debt which also failed. 
At this time, I am requesting a full refund of my closing costs as LoanDepot did not disclose these liens and did not disclose or process a full title search, I paid for. I believe LoanDepot did this intentionally to collect {$7300.00} in funds for refinancing. A title company missing one lien on a property might be a mistake, however unacceptable. When they miss XXXX liens on a property, I believe I have been a victim of fraud. I contacted LoanDepot on XX/XX/XXXX to request a refund of my closing costs and gave them until XX/XX/XXXX to reply. To date I have only received an acknowledgment

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