milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NC).
Issue: Managing the loan or lease

Complaint: I am a XXXX veteran who has never been in trouble with the law, always did the right thing, always paid my bills on time so why am I being treated this badly with no recourse by GM Financial? A year ago, I leased a GM Encore for my wife whom is a XXXX. After the first year we decided to get a XXXX XXXX van ; because we needed to use her XXXX ; and the little car was not helping with that ; so we traded the leased vehicle in. XXXX XXXX of XXXX bent over backwards to make this happen. On XX/XX/XXXX they purchased my XXXX XXXX outright and sold me the XXXX XXXX. The Encore was payed off that day. My payoff was good until XX/XX/XXXX. On XX/XX/XXXX my car payment was taken out of my bank account anyway. I had Auto draft. I immediately contacted GM Financial and was told that they did receive the payoff, but they did not know whom to title the car to and that they needed a mileage statement to complete the transaction. I passed this onto XXXX XXXX. On XX/XX/XXXX I again contacted GM and was told that on XX/XX/XXXX they authorized my refund of my car payment and that it will be in the mail the next business day. On the XXXX of XXXX I called again, this time I was told that they had 30 days to get me my money. On the XXXX of XXXX I called them again and after going through all the verification that I am whom I say I am ( this included my phone #, address, etc, I was told that they did mail it out but to XXXX XXXX XXXX not XXXX XXXX XXXX, which is where I have lived since my XXXX from the military XX/XX/XXXX. The owners of XXXX XXXX XXXX stated that they did not receive any mail for me. So I asked XXXX ( GM Representative ) if the check had been cashed and he stated that it had not been cashed. He then stated and I quote " We will OVERNIGHT you a new check, void the old check, and you should have your money in 3 to 5 days ''. Needless to say it is XX/XX/XXXX and I still have not received anything. I have not received a pay raise in 8 years and am struggling trying to make ends meet. My wife and I are raising our Granddaughter as our own plus my own adult daughter has moved back home. I just need some help. Had I been late one day with my car payment, I would have had to pay a late charge, but God knows how much interest they have made using my money and the countless other people they are doing this to. Is there no justice left?

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/16/2015 about Debt collection (Federal student loan) with ECMC Group, Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I have student loan debt and was in default for a long time. When I finally got a job I did n't really make enough to make payments, but instead of trying to work out a solution I ignored the problem for a while. I finally started working things out in 2014 and qualified to consolidate all my loans but XXXX, which were getting ready to garnish my wages. I asked the collection company if they would release them to be consolidated but they refused. My wages are being garnished at 15 % of my total income, not just disposable income. It is my understanding that it should be 15 % of whatever I make over the federal poverty level. I have tried to ask the collections to correct it, but they said that my employer must not be using the form given them to figure the correct amount. Bottom line, I can not be self sufficient and be on my own with this amount of money coming out of my check every pay. I would like them to adjust the amount they take or add those loans to my consolidated loans in which I qualify for the income based repayment plan which is more affordable to me. I do n't want to end of losing my job because I ca n't afford transportation there. My living expenses are a hardship just to take care of bare minimum items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am interested in making weekly mortgage payments in order to decrease the length of my mortgage loan and reduce the amount of interest that I will pay over the term of my loan. I contacted my mortgage company and was told that they only have a bi-weekly program available and that they discourage clients from paying outside of the normal monthly payment schedule, as these payments are customarily held and not applied properly to the clients accounts. I should be able to choose the manner in which I make my mortgage payments as long as by the XXXX of the month, the entire mortgage payment is received by the lending institution. Also, it is quite disturbing to be told that they discourage this practice and that they are aware of the mishandling of the monies that are paid outside of the customary monthly payment schedule. Obviously, the lending institutions would prefer to have all clients pay only once monthly so that they can collect the full amount of interest that would be owed on the loan, but consumers should be giving the option of making payments on a different schedule, that may better suit them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Consumer Loan (Installment loan) with Enova International, Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: I have contacted the lender and asked to refinance my high interest rate personal loan. The loan has been paid timely and is not delinquent. I have had a change in income and my husband is now unemployed. The lender refused to renegotiate terms with me including a lower interest rate so that I can remain current on the loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I was reviewing the outcome from XXXX about a complaint issue with XXXX XXXX # XXXX****, XXXX*** There are several errors on my report. I am requesting a PROOF OF CLAIM or SIGNATURE. Be advised that their claims are disputed as well as the method of validation for this previously disputed account from which nothing was provided to me in writing. XXXX has already deleted these issues see attachments proof of claim of the disputed debt is requested in accordance with the HIPPA Act laws. I have absolutely no documentation or nothing in writing any type of proof that I can verify any claims against my legal person. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed. XXXX XXXX days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to please produce a CONTRACT!
I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.

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 02-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have XXXX of debt reporting on my credit for over 10 years ago and I had filed a complaint of identity theft years ago ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Taking out the loan or lease

Complaint: After applying for a loan to purchase a new car, I received an interest rate 3x 's higher than indicative rates for a used automobile purchase for my creditworthiness.

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 06-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My attorney requested credit reporting companies NOT to allow claims for which companies DID NOT have an original signed document obligating me to pay a debt, specifically intended to stop collection companies who may have bought debts from posting incorrect or inaccurate information. See attached report posted to my credit report which has a negative impact on my credit.

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 01/14/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get my free annual credit report on XX/XX/2017 from Equifax and received a response that online delivery was not available for my request. Instead I was directed to not only complete a paper request form that would contain every single piece of my personal information on XXXX page to be sent through the mail but for " identity purposes '' also include some other form that would also contain my complete XXXX to be sent along with it. Secure online delivery is far safer than sending this kind of personal information through the mail and Equifax should be mandated to make delivery available by electronic means for the annual report that consumers are entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There is being reported under public records that I have a open Judgment Case # XXXX, There is no account listed. 
I have been disputing this information with the credit bureau for numerous month now, By Mail and Phone. 

At this point Experian keeps telling me this has been verified when in fact its impossible that they verified the information, Well if they would verify the information then Experian would see this is wrong and has nothing with me. I have requested proof of verification from Experian which I was still not given and I am now waiting 3 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (I do not know) with I.C. System, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent 3 certified letters to this company requesting that they validate this account. I have never had this service & have knowledge of the at all. I requested a contract or some type of agreement between myself and the company be provided to me however, they have ignored an nagated every request. I spoke with XXXX XXXX id # XXXX and he told me to just file identity theft or fraud because that was the easiest route. All my attempts to resolve this matter with this company have failed. I want this account removed from all XXXX credit bureaus and their files if they can not provide me the necessary documentation, They only information they provide me was a last bill with a 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 08-04-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I bought my house in XX/XX/XXXX for XXXX, put XXXX down and pd XXXX for 15 years totaling XXXX. My mortgage went from XXXX to XXXX to XXXX to Chase and just got sold to XXXX XXXX XX/XX/XXXX Chase raised my mortgage from XXXX to XXXX. I called and faxed Chase w no response. In trying to resolve this w Chase they consistently put my house in the paper to auction but never auctioned it, only humiliated and embarrassed me. I enlisted XXXX and XXXX XXXX to help me resolve this. XXXX took thousands and XXXX tool there share and than disappeared. I did a declaration for XXXX XXXX from the Federal Trade Commission. Chase put insurance on my house from XXXX to present charging me thousands. I have so many fees on my loan and have paid almost XXXX dollars for and they now say I owe XXXX. I have a XXXX page letter and XXXX attachments. I need someone to help me pls as Chase just sold me to XXXX XXXX who is threatening to take my house.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing statement

Complaint: There is a late payment in my credit report dated XXXX 2015 ( 30 days ) from SEARS/CBNA. 
Sears-Citi did n't send me the statement on time for {$26.00}, not to my email nor home address. I called customer service and they removed the late fee since the problem was in their system not sending the statement on time. However, the credit department did n't remove the late payment from my credit report. I sent them letters and asked them to correct their mistake but no results. 
I did n't have any late payment in the past in any credit cards. This late payment decreases my credit score significantly. Usually credit card companies trying to protect costumers but Citi is going in opposite direction to hurt members due to their own mistake. 
My request is that Citi removes the late payment and correct their system mistake so it will not happen to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I currently work at the XXXX XXXX XXXX XXXX and have about $ 70k in debt from the XXXX I competed at XXXX.I 'm dealing with the XXXX XXXX regarding Public Service Loan Forgiveness and have run into a lot of inefficiency and confusion.I had been putting off filling out the PSLF Certification Form with the good faith that my organization and loan payment plans were  eligible per the program stipulations. The provided information makes the program seem very straightforward and implies that the certification form is n't really needed until you switch jobs. As I had n't planned to leave my organization ; I did n't fill out the form for over 3 years while I made monthly payments. As soon as there was some discussion about cutting the program, I decided to get my ducks in a row before that happened, should the program be reinstated at a later time. The first response I received indicated that XXXX was not an eligible organization. This was a huge shock as XXXX is a XXXX year old XXXX well-respected XXXX XXXX XXXX. My HR director assured me that other employees had received confirmations that XXXX is indeed eligible and that this must have been some sort of clerical error. Indeed it was, as I resubmitted the the certification form with the same information as the first form, but received a response that XXXX is indeed eligible. I was then informed that I had only made one eligible loan payment in almost 4 years of regular payments. I have been trying to rectify this for months as I applied for an eligible repayment plan and when I was put on that new repayment plan, XXXX in no way indicated that the kind of plan was different from what I had applied for. I had one phone call with a customer service rep where she supposedly put a " tracker '' on my account to review my previous payments and that this process may take a few months. I believe this was some sort of stalling technique.I called XXXX again and was told there was no way to review previous payments and that I would have to restart a new payment plan now. This would put me almost 4 years behind schedule for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Using a debit or ATM card

Complaint: I contacted Suntrust Bank main office on XX/XX/XXXX to inform them that I had not received my bank statement from them in three months. I was told by the person on the phone that they would mail them out that day, and I would receive them in approximately three days. I did not, so I went to my local Suntrust Bank located at XXXX, Md. XXXX and address the issue with Branch Manager XXXX. She printed me out statement from XX/XX/XXXX to XX/XX/XXXX. When I checked the statement I notice approximately XXXX ATM-withdrawals total over {$3200.00} not including fees, and XXXX checks-written total {$900.00} that I did not do, or known who did. I immediately return to to the bank on XX/XX/XXXX and address the issue with Bank Manager XXXX. She contacted Suntrust Fraud Department, and a report filed and investigation I was told started. On XX/XX/XXXX I received a letter from fraud investigator stating that they were unable to honor my claim giving me some unreasonable causes. The letter dated XX/XX/XXXX is the first response to the claim of fraudulent activity on my Suntrust account ending with [ XXXX ] I received. For this and other reasons, base upon our investigation, we can not conclude that Suntrust has any liability for your disputed transactions. I returned to my local Suntrust bank on XX/XX/XXXX and talk with Bank Manager XXXX about over half of the transactions falling within the time frame of the 30 days, and she called fraud investigation. I was told by her that the investigator said that because there were A-T-M withdrawal before the 30 days and I was seen on camera making the withdrawals, the investigation was close. I never made any withdrawal from the location on the statement and do not even known were it is. I always use ATM networks with Suntrust so I do not pay fees. I then asked the Bank Manager to see the video with me withdrawing money from the location the claim, and was told by her that the investigator said the only way I can see the video which there is not, is to subpoena it from fraud investigation. All of this after banking with Suntrust for approximately 30 years. All I want is Suntrust to return approximateIy {$4500.00} to my account.

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Equifax lower my score by 79 points with no reason. 
XXXX lower my credit score by 73 points with no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX fails to remove the XXXX Mortgage Serv account information. EQUIFAX reports incorrectly the account is 120+ DAYS PAST DUE. EQUIFAX reports incorrectly the AMOUNT PAST DUE is {$18000.00}. EQUIFAX reports incorrectly the BALANCE IS XXXX.EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom it may concern, I had my credit account enrolled in automatic scheduled payments. The account was to be debited every month in the form of an ACH payment of {$100.00} from my financial intuition that I enrolled to pay the credit card bill. Both my financial institution and credit card that I was making payments towards were effected at the same time with fraud. I had XXXX accounts closed and then opened new accounts with each party. Because of this fraud on both accounts my auto pay program was then terminated from both sides. The company I pay my credit card bill to did not notify me of any changes in any manner, email, call, text, letter, etc.of this occurrence and to update my billing information. A few months later I 'm now left with a late payment on my credit card report and that is affecting me when I 'm currently trying to get a loan to buy my family our very first home. I 'm asking this manner be looked into and me be relieved of the XXXX late payments i now have on my account due to this fraudulent activity.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Company inquired about my credit without my authorization.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On my equifax report XXXX XXXX is reporting my account as XXXX past due which is incorrect. My account is current and my balance is incorrect as well. I tried to contact equifax to dispute online but they are having system problems as well as a data breach issue. My score has dropped XXXX point because of this incorrect, inaccurate reporting. Please help thank you!

Company response to consumer: Closed with explanation